Mortgage Community Development Lender

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🔥 1 hour ago

🏈 Alabama, Florida, +7 more states – Remote

🏈 Alabama – Remote 🐊 Florida – Remote ⚜️ Louisiana – Remote 🌲 North Carolina – Remote 🎸 Mississippi – Remote 🏰 Missouri – Remote 🌴 South Carolina – Remote 🎸 Tennessee – Remote 🤠 Texas – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

👫 Community Manager

🚫👨‍🎓 No degree required

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Southern Bancorp

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1986

🏦 Banking

🌍 Social Impact

💰 $4.9M Grant - Southern Bancorp on 2023-04

Banking • Social Impact

Southern Bancorp is a mission-driven banking organization and community development financial institution that provides retail and commercial banking, lending, and financial services to individuals, small businesses, nonprofit organizations and local governments—particularly in rural and underserved communities in the Southern United States. The institution emphasizes economic development and financial inclusion through affordable loans, deposits, mortgage lending, small-business support, and partnerships aimed at community revitalization and job creation. Southern Bancorp operates banks and affiliates that combine traditional banking products with a social-impact focus to support local development and broaden access to capital.

📋 Description

• Originate high quality mortgage loans which are typical in low-to-moderate income borrowers in order to help serve the housing needs of underserved communities • Increase mortgage loan volume, primarily focusing on CRA, low-to-moderate, and minority customers, through effective consultative selling • Act as a representative of the bank in the community by attending community meetings/events and providing training seminars to residents regarding loan application procedures and mortgage loan products and services • Work with non-profit partners to provide home buyer education, mortgage credit counseling and technical assistance • Identify appropriate community groups throughout the community and establish a plan for making contact • Serve on housing/credit/finance related boards, charitable/civic organizations or MBA committees on an ongoing basis • Provide input for the design of programs, participate in credit related training for consumers to enhance knowledge within the community to maximize the benefits of mortgage loans and services • Conduct outreach training classes in financial literacy, mortgage, banking, home ownership • Maintain extensive knowledge of Southern Bancorp’s product offerings • Identify potential loan applicants through referrals and make sales calls as appropriate in order to provide prospects with information on loan products and to solicit business as appropriate • Assist borrowers with the application process by providing direction in filling out forms and keeping the applicant informed of necessary documentation • Understand and remain educated on grant/subsidy programs available within market to ensure borrower receives maximum funding • Prepare loan status of each loan in individual pipeline to be given to non-profit housing partners if applicable • Interview and counsel loan applicants on the various mortgage loan programs offered by bank • Analyze financial status and credit on each potential borrower, and fully understand the contract of sale to ensure proper submission of application • Make sales calls to housing non-profits to maintain relationship and ensure for the steady flow of referrals • Report weekly on loan volumes to management, and produce all other applicable reports necessary to provide management with the success of the originating efforts as requested by management • Understand the complexity of the partnerships with non-profit organizations in an effort to mitigate potential reputational risk from occurring • Work on special projects as assigned by mortgage leadership team

🎯 Requirements

• High School Diploma or equivalent required; bachelor’s degree is preferred • Two years’ experience in community development lending or minority mortgage lending with a focus on bridging the homeownership gap of underserved communities • Must have or receive NMLS clearance • Must have experience with broad program & mortgage investor guidelines • Must have a recent proven track record of closed production that meets or exceeds Southern mortgage’s minimum standard of production • Must have history of established referral sources to achieve outside sales production expectations • Housing counseling, financial planning and mortgage credit counseling experience • Good listener and self-starter with demonstrated ability to work with minimal hands-on direction • Must have excellent interpersonal skills to represent the Southern in a positive way in dealing with customers and other employees • Must have the ability to travel within market and must possess and maintain a valid driver’s license and a vehicle with appropriate insurance coverage • Fluency in a second language is preferred but not required.