Senior Lending Officer – Remote (Dallas/Fort Worth/Houston)

Company: Southern Bancorp

Location: Dallas Fort Worth/Houston, TX

Job Function: Financial Services


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.



Develops 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.


  • Prospect, 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


  • High School diploma or equivalent; college degree in business or finance preferred
  • At least five years of SBA lending or sales experience
  • Analytical and problem solving skills
  • Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner
  • Strong client service and interpersonal skills in dealing with both internal and external clients
  • Team-oriented with the ability to work collaboratively across all levels of the organization
  • Customer service and collection skills to handle situations which require assertiveness and discretion
  • Must 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.

Compensation and Benefits

  • 401(k)/Roth plan with immediate eligibility and employer match up to 6%
  • Employee stock ownership plan
  • Discounted rate on primary home mortgage
  • Credit and housing counseling as well as free financial education tools available to customers and employees

 Benefits to improve your health:

  • No deductible medical insurance plan
  • Dental and vision insurance
  • Employer paid life and long-term disability insurance
  • Flexible Spending Accounts

The opportunity to nurture your well-being:

  • Paid holidays and paid time off
  • Bonus plan
  • Opportunity for merit raises
  • Employee reward and recognition programs
  • Community service opportunities

How to Apply

Careers – Southern Bancorp (