At Security National Bank, if there is one belief we hold together as a team, it’s that everything matters. From the words we say, to the way we dress, to the decisions we make and the actions we take – every single thing we do matters. Why? Because we recognize the inherent value of each individual, and the potential of what each person can become. We realize every one of life’s interactions is an opportunity to help someone reach that potential. This is why we treat even the smallest details of life and banking with careful thought and attention. If you aspire to do the same, we’d like you to advance your career with us at SNB.
Job Description
The Commercial Services Officer is primarily responsible for developing new Commercial Services relationships with a focus on lending, while retaining and growing existing relationships. They’re a natural networker and develop partnerships to execute the organization’s goals, while being active in the community. This person must anticipate needs of all clients and is ultimately responsible for a superior customer experience. They balance their superior interpersonal skills with their business acumen and technical expertise in credit and underwriting. Because at Security National Bank, we mean what we say and know the best relationships are built on respect – sometimes given, always earned.
Identifies prospective clients and implements plans to develop and retain commercial business, meeting with prospects and customers of various size and complexity to achieve business development goals and promote additional bank services to our current clients.
Gathers related financial and general business information. Obtains and performs financial analyses needed to make credit decisions, product/services recommendations, and communicated with prospects and customers to close business.
Performs annual reviews for existing customers including: statement gathering, financial analysis and spreads, loan presentation summary, and other pertinent collateral monitoring responsibilities for recommendation and approval.
Makes decisions on loans and terms if within own lending limits or makes recommendation to department head.
Develops a broad knowledge base of commercial products and services, including loan policy, documentations, structuring, and regulatory requirements.
Builds and manages a credit portfolio from existing clients.
Develop a sales plan to prioritize and organize revenue generating sales opportunities.
Qualifications
Bachelor’s Degree or equivalent work experience.
5+ years’ experience in commercial lending, credit underwriting, and portfolio management.
Demonstrated knowledge of CRE, C&I, and Operating Lines.
Extensive knowledge of various commercial deposit services, cash management, digital banking, and overlines.
Excellent negotiating and influencing skills.
Advanced problem-solving and analytical skills.
Demonstrated ability to exercise sound judgement, integrity, and honesty.
Excellent oral, written, and interpersonal communication skills.
Be self-motivated, confident, outgoing, and positive.
Exceptional analytical skills.
Meticulous attention to detail required.
Ability to navigate multiple computer systems and programs.
Team-oriented with the ability to work collaboratively across all levels of the organization.
Ability to manage requests and priorities simultaneously, meet deadlines, and show flexibility to change direction when needed.
Hours
Regular business hours Monday through Friday. Some extended business hours.
Benefits
We offer a comprehensive benefit package to our employees including medical, dental, short and long term disability, life insurance, paid time off, a wellness program, and a 401(k) savings plan at hire for future financial protection.
About Security National Bank
Security National Bank was chartered in 1884 in Sioux City, Iowa; founded on the time-tested principles of integrity, honor, open-mindedness, efficiency, good humor, respect, duty, and human connection. These principles served as guideposts that enabled SNB to withstand the economic panic of the late 1800s, the Great Depression, two World Wars, and the farm crisis — and emerge as the region’s most established and trustworthy locally owned bank. We believe what was worth doing well yesterday is still worth doing well today. People change and banking changes, but our time-tested principles remain. To this day, we believe that doing what’s right is the only way to take care of customers, empower businesses, cultivate growth, inspire our community, and accomplish the remarkable.
Security National Bank is an Equal Opportunity, Affirmative Action Employer. Applicants are considered for all positions without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, marital status, or veteran status.