Mortgage Community Development Lender

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.

Job Summary :

We are seeking Mortgage Community Development Lenders. 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.

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.

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 :

Requirements :

Physical / Sensory Requirements :

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What Southern Bancorp offers employees :

A positive impact on Your Future :

Benefits to improve your health :

The opportunity to nurture your well-being :

Southern Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, age, sexual orientation, gender identity, gender expression, status as a protected veteran, among other things, or status as a qualified individual with disability. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As a Community Development Financial Institution, Southern Bancorp desires its workforce to reflect the diversity of the customers and communities that we serve. Racial and ethnic minorities, people from working class backgrounds, women and LGBTQ people are often underrepresented in many financial service industry professions. Therefore, we strongly encourage applications from people with these identities or who are members of other marginalized communities.