Mortgage Junior Loan Officer

Southern Bancorp

8h • Remote

About The Position

Southern Bancorp is
more than a
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.

Requirements

• High school diploma or equivalentrequired
• 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
• Proficiencyin 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.

Responsibilities

• Assists theCommunity Development Lenderin the collection and analysis of theconsumer’s financial information.
• Assists theCommunity Development Lenderin assessing the customer’s financial circumstances todeterminewhether theconsumer and the property qualify for a particular loan.
• Reviews the loan application packagesfor completeness and accuracy.
• Under supervision of theCommunity Development Lender,identifiesany missing items from the loan application packagerequiredforprocessing the loan application.
• Under supervision of theCommunity Development Lender,maintainsregular contact with theconsumer between application and closing to apprise them of the status of the application and gather anyadditionalinformation as needed.
• Under supervision of theCommunity Development Lender, prepares any information requests, such as credit inquiries or address discrepancies, for review and signature by theconsumer.
• Utilizeknowledge,trainingand experience tosolicit,originateandfacilitatethe processing and closing of loan products and financing of residential real estate transactions on behalf ofSouthern’scustomers.
• Serve 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 tofacilitatean efficient transition from sales to operations.
• Executesspecial projects &other duties as assigned

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

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED