Commercial Loan Officer - Hattiesburg, MS

Southern Bancorp•Hattiesburg, MS

About The Position

Uplift Financial Development Corporation is a Community Development Financial Institution that provides financial services to underserved communities. It combines traditional banking and lending services with financial development tools and resources to help families and communities grow stronger, with a focus on low-wealth and unbanked or underbanked populations and an emphasis on Black and Brown individuals. The Commercial Loan Officer establishes, maintains, and develops client relationships within an assigned territory to attain targeted business and commercial loan portfolios. The role manages a variety of commercial loans in compliance with bank policy and regulatory requirements. It involves developing local business networks, acquiring and retaining clients, interviewing loan applicants, analyzing loan requests, supporting the application process, and packaging loans within applicable policies and management oversight.

Requirements

Bachelor’s degree, or an equivalent combination of education and lending and banking experience.
Two to four years of previous banking experience, with an emphasis in commercial lending and branch management.
Must have or receive NMLS clearance.
Ability to communicate effectively with clients to achieve loan portfolio goals, establish business relationships, and maintain client satisfaction.
Knowledge of regulatory requirements governing commercial lending.
Proficiency in computer applications.
Must possess and maintain a current and valid driver’s license and a vehicle with appropriate insurance coverage.
Ability to travel throughout the market for meetings and appointments.

Responsibilities

Establish and maintain a favorable professional network within the assigned local community, county, or territory.
Call on potential or existing clients to develop new business, increase business, and retain existing business.
Interview applicants for commercial loans.
Assist commercial loan customers with the loan application process and maintain the confidentiality of information provided by applicants.
Analyze and screen loan requests across loan types.
Use judgment within applicable policies, precedents, and upper-level management oversight to package loans and establish loan terms and conditions.
Achieve and maintain the required loan portfolio balance.
Maintain a thorough understanding of loan policies and procedures related to commercial lending.
Participate in team efforts to cross-sell bank and affiliate products and services.
Complete all required training.
Perform other related duties as required or assigned.

Benefits

401(k)/Roth plan with immediate eligibility and employer match up to 6%.
Employee stock ownership plan.
Discounted rate on a primary home mortgage.
Credit and housing counseling and free financial education tools available to customers and employees.
Two medical plan options: low-deductible PPO or HDHP with Health Savings Account.
Dental and vision insurance.
Employer-paid life insurance and short- and long-term disability coverage.
Voluntary life insurance options for employees, spouses, and children.
Paid holidays and paid time off.
Bonus plan.
Opportunity for merit raises.
Employee reward and recognition programs.
Community service opportunities.