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 Portfolio Manager provides assistance to 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. Opportunity for growth to advance career in becoming a lender for the bank’s commercial loan department.

• Spreads and analyzes financial information of new and existing Commercial loan customers and completes covenant calculations.
• 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.
• Completes loan pricing model for new and existing Commercial loan customers.
• Actively engages in the community to build relationships.
• Other duties and projects as assigned.

EDUCATION AND EXPERIENCE:

• 4 year college degree or related work experience
• 1 year of Credit or related 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, 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.snbsd.com/about/employment-opportunities

LOCATION:

Sioux Falls, SD

Experience

• 1 year(s): Credit or related experience
• Proven ability to assess risk, identify opportunities, and recommend solutions that support company goals

Education

• Bachelors or better

Skills

• Teamwork
• Self-motivated
• Problem Solving
• Microsoft Office
• Lending
• Honesty
• Finance
• Computer
• Communication
• Banking
• Analytical
• Accuracy

Behaviors

• Thought Provoking: Capable of making others think deeply on a subject
• Team Player: Works well as a member of a group
• Loyal: Shows firm and constant support to a cause
• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well
• Dedicated: Devoted to a task or purpose with loyalty or integrity

Motivations

• Work-Life Balance: Inspired to perform well by having ample time to pursue work and interests outside of work
• Self-Starter: Inspired to perform without outside help
• Job Security: Inspired to perform well by the knowledge that your job is safe
• Growth Opportunities: Inspired to perform well by the chance to take on more responsibility
• Flexibility: Inspired to perform well when granted the ability to set your own schedule and goals
• Ability to Make an Impact: Inspired to perform well by the ability to contribute to the success of a project or the organization