Commercial Services Officer

Company: Security National Bank
Location: Sioux City
Posted on: November 24, 2022

Job Description:

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.LEARN MORE:https://www.snbonline.com/about/employment-opportunitiesLOCATION:Sioux City, IAMain BankExperiencePreferredExcellent negotiating and influencing skills.Demonstrated knowledge of CRE, C&I, and Operating Lines.Extensive knowledge of various commercial deposit services, cash management, digital banking, and overlines.5 year(s): Experience in commercial lending, credit underwriting, loan review, or portfolio management.EducationPreferredBachelors or better in Business AdministrationBachelors or better in FinanceBachelors or better in AccountingSkillsPreferredUnderwritingNegotiatingInternet bankingAccount administrationBusiness DevelopmentTeamworkSelf-motivatedProblem SolvingMicrosoft OfficeLoan applicationsLendingInterviewingHonestyFinanceCustomer ServiceComplianceCreditComputerCommunicationBankingAnalyticalAccuracyBehaviorsPreferredTeam Player: Works well as a member of a groupLoyal: Shows firm and constant support to a causeEnthusiastic: Shows intense and eager enjoyment and interestDetail Oriented: Capable of carrying out a given task with all details necessary to get the task done wellDedicated: Devoted to a task or purpose with loyalty or integrityMotivationsPreferredWork-Life Balance: Inspired to perform well by having ample time to pursue work and interests outside of workSelf-Starter: Inspired to perform without outside helpJob Security: Inspired to perform well by the knowledge that your job is safeGrowth Opportunities: Inspired to perform well by the chance to take on more responsibilityAbility to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organizationEqual Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Security National Bank, Sioux City , Commercial Services Officer, Other , Sioux City, Iowa