Community Manager
Mon compte
Cloud
Mortgage Community Development Manager
Southern Bancorp
full-time
Posted on:
Location Type: Remote
Location: Remote • Alabama, Tennessee • 🇺🇸 United States
Visit company websiteJob Level
Mid-LevelSenior
About the role
- Originate high 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
- Ensure housing non-profit partners in each geographic market are aware of mortgage loan products and services offered by the bank
- Increase mortgage loan volume focusing on CRA, LMI, and minority customers through consultative selling
- Identify, recruit, hire, train, and develop community development lenders in assigned territory
- Provide leadership, coaching, counsel, and accountability to assigned team
- Act as a bank representative at community meetings/events and provide training seminars on loan procedures and products
- Work with non-profit partners to provide home buyer education, mortgage credit counseling and technical assistance
- Identify community groups and establish outreach plans
- Serve on housing/credit/finance related boards, charitable/civic organizations or MBA committees
- Provide input for program design and participate in credit related consumer training
- Conduct outreach training classes in financial literacy, mortgage, banking, home ownership
- Maintain extensive knowledge of Southern Bancorp’s product offerings
- Identify potential loan applicants through referrals and make sales calls
- Assist borrowers with application process and documentation
- Understand grant/subsidy programs to ensure borrowers receive maximum funding
- Prepare loan pipeline status reports for non-profit partners
- Interview and counsel loan applicants and analyze financial status and credit
- Make sales calls to housing non-profits to maintain referrals and report weekly loan volumes to management
- Understand partnership complexities to mitigate reputational risk
- Work on special projects as assigned by mortgage leadership team
Requirements
- High School Diploma required; bachelor’s degree preferred
- Five years’ experience in community development lending or minority mortgage lending with a focus on bridging the homeownership gap of underserved communities
- Minimum 1 year of experience in the mortgage industry in a leadership role
- Must have experience with broad program & mortgage investor guidelines
- Housing counseling, financial planning and mortgage credit counseling experience
- Comprehensive understanding of: 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
- Ability to travel within market and must possess and maintain a valid driver’s license and a vehicle with appropriate insurance coverage
- Good listener and self-starter with demonstrated ability to work with minimal hands-on direction
- Excellent interpersonal skills to represent the Southern in a positive way
- Fluency in a second language preferred but not required
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 and free financial education tools for customers and employees
- No deductible medical insurance plan
- Dental and vision insurance
- Employer paid life and long-term disability insurance
- Flexible Spending Accounts
- Paid holidays and paid time off
- Bonus plan
- Opportunity for merit raises
- Employee reward and recognition programs
- Community service opportunities
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
community development lendingminority mortgage lendinghousing counselingfinancial planningmortgage credit counselingloan application processgrant/subsidy programsprogram & mortgage investor guidelinessales callsloan pipeline status reporting
Soft skills
leadershipcoachingcounselinginterpersonal skillsself-startergood listenerconsultative sellingaccountabilitytrainingoutreach planning
Certifications
High School DiplomaBachelor’s degree (preferred)
