SVP Loan Officer

Job Description

Job Description

Company Vision

Work where you’re part of a community. Security State Bank & Trust is a community bank, going strong since 1941. We get to know each other and our customers, always emphasizing serving over selling products. With 18 branches and counting, we offer opportunities for career-minded, entry-level applicants, as well as those with years of experience in the banking industry.

About the Role

The SVP Loan Officer provides leadership and strategic direction for the banking lending function across assigned markets. This role is responsible for driving profitable loan growth, driving deposit growth, maintaining strong credit quality, and ensuring compliance with regulatory and risk management standards. This role monitors portfolio performance and supports ongoing reporting of loan conditions.

Essential Responsibilities

• Champion SSB&T’s Core Values: Model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
• Monitor loan production and portfolio management efforts within the assigned market or segment
• Ensure compliance with regulatory requirements, audit, and credit standards
• Originate and manage moderately complex consumer and/or commercial loan relationships
• Provide strategic input on market growth and lending initiatives
• Present complex credits to the senior loan committee and executive leadership
• Build and maintain relationships with customers through proactive service and communication
• Gather financial documentation
• Ensure loan files meet internal policies and regulatory requirements
• Actively grow the loan portfolio through business development efforts and grow deposit growth
• Participate in community and business development activities
• Maintain a high level of customer service through the loan lifecycle

Employment Commitments & Physical Requirements

• Exempt
• Full-time
• Monday- Friday 8 am-5 pm
• Any special requirements such as overtime/ evening or weekend work etc.
• Community/ volunteer involvement
• Focus-intensive position requiring extended periods of sitting and digital navigation.
• Occasional walking, standing, and use of office equipment.
• Must possess close visual acuity and clear speech for verbal communication.

Location & Travel

• Physical reporting Branch or Operations office location
• Travel may be necessary depending on business needs

Candidate Requirements

• Bachelor’s degree in Business, Finance, or related field
• 10 + years of commercial lending or banking loan experience
• Demonstrate leadership and team development experience
• Extensive leadership, credit, and portfolio management expertise
• Strong business development and relationship management skills
• Strong customer service, communication and interpersonal skills
• Ability to manage multiple priorities, interpersonal skills and meet deadlines
• Ability to adapt to growing business needs and structural changes.
• Familiarity with regulatory and credit compliance standards

Candidate Preferred Qualifications

• MBA or advanced financial degree
• Prior executive or senior leading leadership experience
• Experience managing market-level or regional loan portfolios
• Commercial or business lending experience

SSB&T Employee Benefits

SSB&T offers all eligible full-time employees a robust benefits package. Employees receive benefits to support total health, financial, and work-life balance. Benefits packages include life insurance, medical, dental, vision, disability, 401K, vacation, and sick time. Full-time employees will receive 11 paid federal holidays.

Compensation

We are committed to competitive compensation at SSB&T. By analyzing market data, we establish fair salary ranges. Your pay is determined by your experience, the role's market value, and your geographical location.

The job description and supporting information reflect the details deemed to be necessary to describe the principal functions required of the job and should not be construed as a detailed description of all work to be performed in the job role.

Employee shall perform such work as may be required of Employee by Company in accordance with the job description, as well as the instructions, directions, and control of Company, and at such reasonable time and places as Company may determine. At all times during the Employment Period, Employee shall strictly adhere to all the rules and regulations that have been or that may hereafter be established by Company for the conduct of its employees and further, Employee shall strictly adhere to all the provisions of the Company’s handbook(s).

Security State Bank & Trust is an Equal Opportunity Employer.