Commercial Loan Officer
With 30 plus years in banking and lending under his belt, Carl has the knowledge and experience you can trust to help guide you through your financial journey. Carl is a devoted husband to Mindy Sivils and a loving father to their two daughters. In his free time, he enjoys golfing, grilling, and playing the piano.
Whether you're consolidating debt, covering unexpected expenses, or making a major purchase, our personal loan options offer flexible terms, competitive rates, and a simple approval process. At Southern Bancorp, we're committed to helping you take control of your finances and move forward with confidence.
With competitive rates, customizable terms, and dedicated support, we make it easier for entrepreneurs and business owners to access the capital they need. Whether you're purchasing property, upgrading equipment, or launching a new venture, Southern Bancorp is here to back your business every step of the way.
With lower down payments, longer repayment terms, and government-backed support, Southern Bancorp helps entrepreneurs access the capital they need—whether it's for working capital, equipment, or real estate. We're proud to partner with those building stronger communities through small business success.
