Job Description

Job Title: Loan Officer Join to apply for the Loan Officer role at Southern Bank . Get AI-powered advice on this job and more exclusive features. Primary Purpose of the Job Originates various loans, promotes the bank and its lending services to the real estate community and helps to identify and serve the community’s financial needs. Expectations of All Southern Bank Team Members Southern Bank team members are a family, rooted in the communities we serve and working together to be the best in our industry, utilizing innovative ideas and strong products. The Southern Bank Patch illustrates these ideals. Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations. Essential Functions and Performance Areas Solicits loan customers; personally interviews, assesses and determines credit worthiness of loan applicants; Completes loan application and all pre-processing functions in a timely manner; Screens loan requests based on bank policies and on types of loans offered by the bank; Follows up with applicants and secures the necessary information to underwrite the loan and conducts site visits if needed; Negotiates loan structure; Promotes and participates in the bank’s special credit programs and other CRA programs; Works with loan coordinator to order appraisals, credit reports, reference checks and other information as needed on loan applicants; Actively makes referrals to Personal Bankers for deposit-related accounts and products; Collaborates with Credit Analysts in order to prepares loan presentations as necessary for presentation to the Loan Committee; and, Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers and prospects. Qualifications Knowledge, Skills and Abilities Good sales, organizational, managerial and interpersonal skills. Good oral and written communication skills. Education, Training and Experience Requirements Bachelor’s degree in business or finance. (Sales/loan experience may be considered in lieu thereof) One to two years’ experience in a financial institution or loan setting office. Designation The position can be designated as a level I or II. The designation of the position is determined by the experience of the lender, complexity of loan requests, size of portfolio, loan production, and recommendation of supervisor. Core Competencies Family & Trust: Southern Bank team members build relationships based on trust and mutual respect, maintain an inclusive and honest environment and uphold integrity and transparency in all interactions. Rooted & Service: Southern Bank team members are committed to serving customers, communities and teams with purpose, professionalism, and respect, while effectively communicating and actively listening to meet their needs. Innovation & Strength: Southern Bank team members foster collaboration and continuous improvement, encourage visionary thinking, and strive for excellence to drive the organization forward. Self-Motivated: Demonstrating a willingness to commit to one's work and to invest one's time, talent, and best efforts in accomplishing organizational goals. Building Customer Loyalty: Effectively meeting customer needs; building productive customer relationships; taking responsibility for customer satisfaction and loyalty. Sales Ability/Persuasiveness: Using appropriate interpersonal styles and communication methods to gain acceptance of a product, service, or idea from prospects and clients. Seniority Level Entry level Employment Type Full-time Job Function Finance and Sales Industries Banking Referrals increase your chances of interviewing at Southern Bank by 2x Get notified about new Loan Officer jobs in Batesville, AR . We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI. #J-18808-Ljbffr

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