SBA Senior Lending Officer - Remote (Dallas/Fort Worth/Houston)

Company: Southern Bancorp
Location: Houston
Posted on: January 24, 2025

Job Description:

Who We Are:Southern Bancorp is a different kind of 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. Job SummaryDevelops contacts and leads to generate Small Business Administration (SBA) loan financing for business customers. The main product line is intended to provide financing, through the SBA program, for various commercial offerings. More than 80% of time is spent on outside sales activities and functions and generating leads through cold calling and existing contacts. Consults with customers and prospects to understand current business practices and identify financial goals and needs.
ResponsibilitiesProspect, structure and originate new SBA 7(a) and SBA Express loans.Drive new business development through consistent and focused calling activity.Build relationships and maintain a referral network of business brokers, business/professional associations, accountants, lawyers to solicit SBA loan opportunities.Structure SBA loan proposals, complete initial analysis and compile a complete application package.Structure products and service solutions to maximize opportunities and minimize risk for the organization, as well as meet individual client needs.Meet or exceed all performance goals and targets related to the identification, solicitation, and acquisition of new clients.Partner with commercial lenders and internal partners to develop SBA opportunities and educate on SBA Lending to facilitate an increase in quality referrals.Maintain knowledge of SBA procedures and organization policies.Analyze customers' needs and ascertain their financial position and credit worthiness; establish and negotiate terms, costs, repayment methods, collateral requirements, and rates; manage relationship with customer monitoring repayment activities and variance in changes in the company.Analyze, synthesize, and communicate complex data, financial data and related issues in an accurate, objective and straightforward manner.Interact with internal and external clients and provide extraordinary service.Develop and maintain trusted, positive relationships with other employees, clients, and vendors
RequirementsHigh School diploma or equivalent; college degree in business or finance preferredAt least five years of SBA lending or sales experienceAnalytical and problem solving skillsOrganizational skills to prioritize responsibilities and meet deadlines in an orderly, productive mannerStrong client service and interpersonal skills in dealing with both internal and external clientsTeam-oriented with the ability to work collaboratively across all levels of the organizationCustomer service and collection skills to handle situations which require assertiveness and discretionMust possess and maintain current and valid driver's license and a vehicle with appropriate insurance coverage.Ability to travel throughout market for various meetings and appointments. Physical Demand & Work Environment: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

What we offer our employees:A positive impact on Your Future:401(k)/Roth plan with immediate eligibility and employer match up to 6%Employee stock ownership planDiscounted rate on primary home mortgageCredit and housing counseling as well as free financial education tools available to customers and employees Benefits to improve your health:No deductible medical insurance planDental and vision insurance Employer paid life and long-term disability insuranceFlexible Spending AccountsThe opportunity to nurture your well-being:Paid holidays and paid time off Bonus plan Opportunity for merit raisesEmployee reward and recognition programsCommunity service opportunitiesSouthern 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.

Keywords: Southern Bancorp, Sugar Land , SBA Senior Lending Officer - Remote (Dallas/Fort Worth/Houston), Accounting, Auditing , Houston, Texas