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Manuel Grays
City President
662.756.4343
manuel.grays@banksouthern.com
NMLS
446971
Ruleville
Manuel brings 26 years of banking experience, with a strong focus on consumer lending and commercial loans. His expertise spans vehicle and machinery financing, property purchase and refinance solutions, and commercial and industrial lending—making him a versatile and knowledgeable resource for a wide range of financial needs.
Outside of work, Manuel enjoys traveling, playing tennis, and spending quality time with his three children.
Looking for a lender? Give Manuel a call today.
Manuel Grays
specializes in
Consumer Lending
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.
- Mortgage
- Auto
- Boat
- ATV/RV
- Personal
Commercial Loans
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.
- Lines of Credit
- Construction
- Commercial Real Estate
- Equipment and Vehicle Financing