Southern Bancorp

Role Description This role supports the management of troubled loans, criticized/classified assets, and high-risk borrowers by coordinating documentation, monitoring loan performance, assisting with workout strategies, and ensuring compliance with internal policies and regulatory requirements. The ideal candidate is detail-oriented, analytical, and capable of working with sensitive and complex credit situations. This role is expected to demonstrate the following supervisor leadership competencies: - Empowering Leadership - Business and Financial Acumen - Information Decision Making and Problem Solving - Managing Talent - Strategic Execution and Direction - Owning Results Responsibilities include: - Manage Lending Support team members, including training, setting goals, performance reviews, and hiring responsibilities. - Track loan performance, financial reporting compliance, collateral positions, and covenant adherence. - Prepare and maintain watchlists, problem loan reports, and asset quality summaries. - Gather borrower financial statements, collateral documentation, insurance information, and other required loan documents. - Ensure records are accurately maintained in the loan operating system and document repository. - Support the completion of loan modifications, forbearance agreements, extensions, and other workout documentation in partnership with credit and legal teams. - Assist in the preparation of workout strategies, action plans, and borrower communication materials. - Oversee sale of bank assets and other collection and recovery activities to secure maximum recovery for the bank. - Coordinate site visits, appraisals, collateral inspections, and third-party vendor activity (attorneys, appraisers, consultants). - Support collection efforts by tracking payments, contacting borrowers as directed, and preparing collection status updates. - Ensure compliance with internal credit policy, loan servicing standards, and regulatory guidelines. - Support preparation for loan reviews, audits, and regulatory examinations. - Maintain accurate documentation for financial reporting support, charge-offs, and recoveries. - Recommend process improvements to increase efficiency in troubled loan management. - Complete all required training. - Perform other duties as required or assigned. Qualifications - Bachelor's degree or equivalent experience in banking, including 2-3 years lending, credit administration, or collections experience. - Strong understanding of commercial or consumer lending principles. - Experience supporting problem loans, charged off accounts, or special assets. - Familiarity with regulator guidance regarding classified assets and workout practices. - Knowledge of collateral management, loan documentation, and credit analysis. - Ability to effectively and professionally communicate verbally and in writing. - Ability to organize, handle multiple tasks, and meet deadlines. - Ability to exercise good judgment and resourcefully solve problems. - Ability to comprehend written material and interpret financial data. - Must be proficient in MS Office (specifically MS Word, Outlook, and Excel). - Professionalism when dealing with distressed borrowers or challenging situations. Benefits - 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. - No deductible medical insurance plan. - Dental and vision insurance. - Employer paid life and long-term disability insurance. - Flexible Spending Accounts. - Paid holidays and paid time off. - Bonus plan. - Opportunity for merit raises. - Employee reward and recognition programs. - Community service opportunities.

Role Description We are seeking Mortgage Community Development Managers (CDM). The individual(s) will originate quality mortgage loans on 1-4 family properties for low to moderate income (LMI) and minority borrowers in partnership with supported external non-profit organizations. CDM will also ensure that all housing non-profit partners in each geographic market are aware of all mortgage loan products and services offered by the bank. This role requires a deep knowledge of the Community Reinvestment Act (CRA), as it relates to lending, and knowledge of various grants and subsidy programs to fill affordable housing mortgage gap. This role requires substantial knowledge of affordable housing programs and first-time homebuyer education programs. The individual in this role must also have a comprehensive understanding of the following regulatory requirements: - Home Loan Disclosure Act - Real Estate Settlement Procedures - Reg. Z - Federal Truth in Lending - Fair Housing - HUD regulations - Client/FHLMC Requirements - Equal Credit Opportunity Act This role is expected to demonstrate the following Manager leadership competencies: - Empowering Leadership - Business and Financial Acumen - Information Decision Making and Problem Solving - Managing Talent - Strategic Execution and Direction - Owning Results Responsibilities - Originate high quality mortgage loans which are typical in low-to-moderate income borrowers to 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. - Assist in the identification, recruitment, hiring, training, & development of community development lenders in assigned territory. - Provide ongoing leadership, coaching, counsel, & accountability to assigned team to further achievement of individual, team, & company goals. - 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 & 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. Qualifications - High School Diploma required; bachelor’s degree is preferred. - Five years’ experience in community development lending or minority mortgage lending with a focus on bridging the homeownership gap of underserved communities; minimum 1 year of experience in the mortgage industry in a leadership role. - Must have experience with broad program & mortgage investor guidelines. - 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. Requirements - Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Benefits - 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. - 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. - Paid holidays and paid time off. - Bonus plan. - Opportunity for merit raises. - Employee reward and recognition programs. - Community service opportunities.

Role Description This role is responsible for leading the bank’s efforts to identify, prevent, and resolve debit card fraud. This role oversees card fraud risk strategy, day‑to‑day fraud monitoring, and customer remediation processes to protect the bank and its customers from financial loss. The position combines analytical expertise, operational oversight, and strong cross‑functional collaboration to ensure an effective fraud risk management framework. Key Responsibilities - Develop, implement, and optimize fraud prevention strategies, including rules, models, and controls within fraud monitoring systems. - Monitor real‑time and batch fraud alerts to identify suspicious debit card activity and take appropriate action. - Analyze emerging fraud trends (e.g., card‑not‑present fraud, skimming, account takeover) and adjust controls proactively. - Collaborate with card processors, networks, and fraud solution vendors to ensure effective fraud protection tools. - Conduct ongoing risk assessments to identify vulnerabilities within debit card processes, systems, and customer behaviors. - Maintain & enhance policies, procedures, & risk frameworks related to debit card fraud. - Prepare and present fraud risk reporting, dashboards, and analytics for leadership and regulatory stakeholders. - Ensure compliance with all applicable regulations, including Reg E, network operating rules, and internal risk standards. - Provide subject‑matter expertise on complex fraud cases and escalations. - Train internal teams on fraud awareness, prevention techniques, and fraud reporting requirements. - Participate in internal audits, regulatory exams, and enterprise risk assessments related to fraud management. Qualifications - Bachelor’s degree in Finance, Business, Risk Management, Criminal Justice, or related field (or equivalent experience). - 10 years of experience in debit card fraud management, payments fraud, or financial crime investigations. - Strong knowledge of card networks, fraud systems (Falcon/FICO, Actimize, Verafin, etc.), and banking regulations related to fraud. - Strong analytical skills with the ability to interpret trend data & propose risk‑mitigating solutions. - Excellent communication, problem‑solving, and decision‑making abilities. Preferred Qualifications - Experience working in a bank or financial institution's fraud or risk department. - Certifications such as CFE, CFCS, or CAMS. - Experience with AI model fraud tools or advanced analytics. Benefits - 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 - 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 - Paid holidays and paid time off - Bonus plan - Opportunity for merit raises - Employee reward and recognition programs - Community service opportunities

Role Description We are seeking a Mortgage Community Development Lender. This individual will originate quality mortgage loans on 1-4 family properties for low to moderate income (LMI) and minority borrowers in partnership with supported external non-profit organizations. This role requires knowledge of the Community Reinvestment Act (CRA), as it relates to lending, and knowledge of various grants and subsidy programs to fill affordable housing mortgage gap. This role requires substantial knowledge of affordable housing programs and first-time homebuyer education programs. The individual in this role must be in AL, AR, FL, GA, LA, MS, MO, NC, SC, TN or TX (this position may be fully remote or hybrid based on location). The individual in this role must also have a comprehensive understanding of the following regulatory requirements: - Home Loan Disclosure Act - Real Estate Settlement Procedures - Reg. Z - Federal Truth in Lending - Fair Housing - HUD regulations - Client/FHLMC Requirements - Equal Credit Opportunity Act Responsibilities: - 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. Qualifications - 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. Benefits - 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 Company Description Southern Bancorp is a different kind of bank. As a Community Development Financial Institution (CDFI), a special certificate on 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.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This role plays a key role in assisting clients with loan applications, providing excellent customer service and supporting the Community Development Lenders. - Assists the Community Development Lender in the collection and analysis of the consumer’s financial information. - Assists the Community Development Lender in assessing the customer’s financial circumstances to determine whether the consumer and the property qualify for a particular loan. - Reviews the loan application packages for completeness and accuracy. - Under supervision of the Community Development Lender, identifies any missing items from the loan application package required for processing the loan application. - Under supervision of the Community Development Lender, maintains regular contact with the consumer between application and closing to apprise them of the status of the application and gather any additional information as needed. - Under supervision of the Community Development Lender, prepares any information requests, such as credit inquiries or address discrepancies, for review and signature by the consumer. - Utilizes knowledge, training and experience to solicit, originate and facilitate the processing and closing of loan products and financing of residential real estate transactions on behalf of Southern’s customers. - Serves as a liaison between the sales and operations teams, fine-tuning file details, structuring of loan, and confirming all system related entries are completed accurately to facilitate an efficient transition from sales to operations. - Executes special projects & other duties as assigned. Qualifications - High school diploma or equivalent required. - Minimum of one year of experience in banking or lending with preference for mortgage lending or real estate experience. - Must have or receive NMLS clearance. - Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook) with familiarity with mortgage software. - Excellent written and verbal communication skills. - Strong organizational skills with the ability to prioritize tasks and meet deadlines. - High attention to detail and problem-solving skills. - Ability to work independently and as part of a team. - Professional demeanor, proactive, adaptable, and dependable. Requirements - Regularly required to sit, talk, and hear; reach with hands and arms; and occasionally stand and walk, stoop, kneel or crouch. - May be required to lift or move up to 50 pounds occasionally. - Regularly required to use computers, telephone, and other standard office equipment. Benefits - 401(k)/Roth plan with immediate eligibility and employer match up to 6%. - Discounted rate on primary home mortgage. - Credit and housing counseling as well as free financial education tools available to customers and employees. - Two medical plans options – 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. - Paid holidays and paid time off. - Bonus plan. - Opportunity for merit raises. - Employee reward and recognition programs. - Community service opportunities.