Vice President - Commercial Services

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.

We are searching for a motivated individual who has strong values, a great work ethic, attention to detail, and a natural networker. The Vice President of Commercial Services is key to developing new Commercial Services relationships through business development efforts with a focus on lending, while retaining and growing existing relationships. This role is a strategic member of the Loan Officer team and assists in structuring and executing complex loans.

Values Matter.  We stand for excellent service and care about doing what’s right.  We are looking for a service driven individual who offers a superior customer service experience through prospecting while professionally represent the organization within our community. They balance their 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.

JOB DESCRIPTION:

• Attend to the needs of customers seeking loans that may involve unsecured funds and/or credit secured by mortgages or other collateral.
• Interview applicants to develop information concerning their business, needs, abilities, and earnings to determine whether a loan may be an acceptable risk.
• Participate in community and business groups to ensure a positive image for the Bank and establish COI referral contacts within the market.
• Develop a sales plan to prioritize and organize revenue generating sales opportunities.
• Identify and negotiate proper loan and deposit opportunities that optimize credit quality and profitability.
• Prepare or assist in preparing and articulate accurate, comprehensive, and relevant information for consideration by the appropriate loan approval authority.
• Obtain and analyze financial data and provide service on approved lines of credit, equipment financing loans, etc.
• Make decisions on loans and terms if within own lending limits or makes recommendation to department head.
• Uses Customer Relationship Management system to track business development efforts and prospects.
• Manage existing portfolio for timely financial statements, renewals, annual reviews, modifications, etc.
• Maintain knowledge of all products and services offered.

Required for this position: Excellent customer service and problem resolution skills. Strong attention to detail, understanding of lending, ability to identify missing items, advanced organizational skills, ability to work under deadlines, independent thinking, analytical skills, self-motivation, strong oral and written communication skills, and demonstrated teamwork.

EDUCATION AND EXPERIENCE:

• 4 year college degree or related work experience
• 5+ year of lending experience
• Extensive knowledge of commercial banking products and services
• Excellent negotiating and influencing skills
• 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.snbonline.com/mattertoday

LOCATION:

Sioux Falls, SD