Senior Credit Analyst

Commercial Credit Portfolio Manager

Are you looking for a position with a company where you can make a difference? 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.

The Portfolio Manager helps commercial lenders by preparing loan presentation summaries and maintaining customer relationships. They also assist with all aspects of preparing credit analysis for loan requests including financial statement analysis, collateral analysis, risk rating recommendations, trend analysis, and identifying the credit's strength and weaknesses.

Do you enjoy working with financial data and learning what makes businesses grow? Do you enjoy meeting people and learning new things? Do you aspire to elevate your career and become a Commercial Lender? We are looking for someone skilled in analyzing financial information, assessing risk to collaborate with our experienced team of lenders.

JOB DESCRIPTION:

• Spreads and analyzes financial information of new and existing Commercial loan customers and completes covenant calculations and cash flows.
• Assists lenders in preparing loan presentation summaries for new loan requests, annual reviews, and modifications.
• Utilizes third party vendor information to enhance and support the analysis in the Loan Presentation Summary.
• Develops a broad knowledge base of commercial products and services, including loan policy, documentation, structuring, and regulatory requirements.
• Assists lenders in gathering financial and general business information.
• Completes ongoing monitoring of customer files.
• Accompanies lenders on customer / prospect calls and inspections and performing related tasks, as required.
• Performs real estate valuation functions such as maintaining workflows and tracking, reviewing for compliance, completing or reviewing appraisals, evaluations, and validations, and other related tasks.
• Other duties and projects as assigned.

Required for this position: Strong attention to detail, understanding of credit, advanced organizational skills, ability to work under deadlines, independent thinking, analytical skills, self-motivation, communication skills, and demonstrated teamwork.

EDUCATION AND EXPERIENCE:

• 4 year college degree with a preferred emphasis in Business, Finance or Accounting or equivalent work experience.
• 3 years of Credit or related banking experience preferred
• Proven ability to assess risk, identify opportunities, and recommend solutions that support company goals

• Accuracy and meticulous attention to detail required
• Excellent oral, written, and interpersonal communication skills

• Ability to navigate multiple computer systems and programs with working knowledge of Word and Excel
• Ability to manage multiple requests simultaneously, meet deadlines, and show flexibility to change direction when needed
• Team-oriented and the ability to work collaboratively across all levels of the organization
• Service-oriented, polite, and respectful
• Advanced problem-solving and analytical skills
• Ability to take direction and instruction and follow through independently until project completion

HOURS:

Regular business hours, Monday through Friday.

BENEFITS:

We offer a comprehensive benefit package to our employees including medical, dental, vision, 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.