Consumer Loan Officer - Helena, AR

Who We Are:

Southern Bancorp is a different kind of bank. As a Community Development Financial Institution (CDFI), a special certification designated for institutions that serve predominantly underserved communities, Southern Bancorp combines traditional banking and lending services with financial development tools and public policy advocacy to help families and communities grow stronger. Inspired by the principle that building net worth drives economic opportunity, our mission is to be wealth builders for everyone in the communities we serve, with a focus on low-wealth and un(der)banked populations, as well as an emphasis on Black and Brown individuals.

Job Summary:

The Consumer Loan Officer I provides services to customers seeking consumer loans. This individual evaluates and may inspect items to be secured; evaluates credit and earning condition of loan applicants; stays abreast of consumer financial trends. The officer may be assigned limited credit authority.

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 purposes of the loan, the source and plan of repayment, and all 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 presence in local community by participating in civic organizations and community activities. Participate in a team effort to cross-sell other services of the bank. Complete all required training. Perform other duties as assigned by supervisor. Other duties as assigned

Education and Experience Qualifications:

High school diploma or equivalent is required. Bachelor s degree is preferred At least two years experience in bank lending, such as consumer lending, credit analysis, loan operations or assisting loan officers is required. Sales experience is a plus. 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 through market for various meetings and appointments

Physical Demand & Work Environment:

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. #LI-Onsite What we offer our employees: A positive impact on

Your Future:

401(k)/Roth plan with immediate eligibility and employer match up to 6% Employee stock ownership plan Discounted rate on primary home mortgage Credit and housing counseling as well as free financial education tools available to customers and employees Benefits to improve your health: Two medical plans available - low-deductible PPO plan or HDHP with Health Savings Account Dental and vision insurance Employer paid life insurance, and short- and long-term disability coverage Retirement plan with generous company match and employee stock purchase option Voluntary life insurance options for employee, spouse, and children 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 accommodation 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.