Consumer Loan Officer II -Clarksdale, MS

The Consumer Loan Officer II provides services to customers seeking consumer loans, all types of real estate loans, and commerical loans. May review non-sufficient loan payment records daily and entry of information in to OREO property.

Responsibilities:

• Maintain a thorough understanding of the loan policy and procedure statement as it relates to consumer lending and comply with all provisions thereof.
• Perform thorough analysis of proposed loan feasibility by analyzing customer's financial records, cash flow, collateral valuation, and credit history. Understand and document the specific purpose of the loan, the source, and plan of repayment as well as back-up sources of repayment.
• Communicate with customer for additional information as necessary and when loan decisions are final
• Complete loan set up sheet for loan documentation staff and assist in obtaining necessary documentation for loan closing.
• Review and approve loan closing papers.
• Service loans as needed including monitoring loans for credit risk changes and managing past due loan payments, including pursuing collection of past due and charged off loans.
• Achieve and maintain required loan portfolio balance and yield as directed by senior management.
• Develop new business, maintain professional network, and establish favorable present in local community
• Review non-sufficient loan payment records and entry of information in OREO
• Prepare credit proposal for commercial loans
• Prepare/review appraisals
• Cross -sell other bank services as customer needs

Education and Experience Qualifications:

• High School diploma or equivalent is required. Bachelor's degree is preferred.
• At least three years' experience in bank lending, such as consumer lending, credit analysis, loan operations or assisting loan officers is required. Sales experience is a plus.
• Prior management experience is preferred.
• Must have excellent interpersonal skills to represent the Bank in a positive way in dealing with customers and other employees.
• Computer knowledge and proficiency including Microsoft programs.
• Demonstrated proficiency in banking compliance issues is required.
• Must possess and maintain a valid driver's license and a vehicle with appropriate insurance coverage.
• Must have ability to travel throughout market for various meetings and appointments

What Southern Bancorp offers employees:

A positive impact on Your Future:

• Discounted employee home loan
• 401(k)/Roth plan with immediate eligibility and employer match up to 6%
• Employee stock ownership plan
• Credit and housing counseling including free financial education tools

Benefits to improve your health:

• No deductible medical insurance plan
• Dental and vision insurance
• Employer paid life and long-term disability insurance
• Flexible Spending Accounts

The opportunity to nurture your well-being:

• Paid holidays and paid time off
• Bonus plan
• Opportunity for merit raises
• Employee reward and recognition programs
• Community service opportunities

Southern Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As a Community Development Financial Institution, Southern Bancorp desires its workforce to reflect the diversity of the customers and communities that we serve. Racial and ethnic minorities, people from working class backgrounds, women and LGBTQ people are often underrepresented in many financial service industry professions. Therefore, we strongly encourage applications from people with these identities or who are members of other marginalized communities.