Commercial Portfolio Manager – Texas / Onsite Only

About the Opportunity

Established in 1964 in Omaha, Nebraska, our family-owned financial institution's vision is to be the best in class in meeting the evolving financial needs of our customers. Our extensive history and family-owned legacy give us a deep and genuine understanding of how to serve and treat our customers. We offer a holistic financial approach with solutions for personal, business, and wealth in three markets: Iowa, Nebraska, and Texas.

As a community bank, we value long-term partnerships built on trust and integrity. As an employer, we take pride in building meaningful relationships and celebrating the unique differences that define each team member; it's what makes us a stronger unit. It's one of the many reasons why creating a strong culture of empowerment, support, and opportunity is an ongoing focus.

Job Summary

This position is responsible for serving as a key partner to the Relationship Manager (RM), acting as a liaison among clients, the line of business, credit approvers, and internal stakeholders. The Commercial Portfolio Manager (CPM) helps protect bank capital and client relationships by actively supporting the deal process through credit structuring recommendations, underwriting leadership with the RM, risk evaluation, navigation of internal processes, and loan documentation negotiation and review.

Role can be moved to a Senior Portfolio Manager role if knowledge and experience is consistent with bank requirements.

Essential Functions

• Deal Evaluation, Structuring, and Credit Advising (20%)
• Portfolio Management (25%)
• Financial Analysis & Underwriting (25%)
• Loan Documentation Negotiation and Review (15%)
• Leadership (15%)

KNOWLEDGE, SKILLS AND ABILITIES

Advanced knowledge of C&I lending, credit analysis, and risk management principles. Strong work ethic and team-oriented behavior. Advanced analytical skills with an understanding of financial statements and tax returns including an understanding of Generally Accepted Accounting Principles (GAAP). Ability to evaluate and advise on credit risk, deal structure, covenants, collateral, and guarantor support. Strong communication skills with the ability to clearly explain financial and credit concepts to Relationship Managers and Clients. Ability to exercise independent judgment, prioritize competing deadlines, and manage multiple relationships and transactions. Ability to interact effectively with clients and all levels of bank management in a professional and consultative manner. Ability to participate in presentations to clients and stakeholders, in both in-person and virtual settings. Knowledge of LaserPro and attorney prepared loan documents and experience with negotiating them. Knowledge of compliance with federal regulations pertaining to commercial banking. Ability to research and understand commercial and commercial real estate lending and banking regulations. Specifically, use personal car for customer calls and site visits. For site visits, may need to walk in wet, muddy and slippery conditions and walk through hazardous conditions of a job site. Ability to maintain predictable and reliable attendance. Ability to complete the required training by assigned due date.

EDUCATION*

Minimum of a Bachelor’s degree in finance, accounting, economics, or related business field required. Completion of a bank or third-party formal credit training preferred.

EXPERIENCE*

Minimum of 5 years of commercial banking, commercial credit, portfolio management, and/or underwriting experience required. Specific expertise in credit decisions and understanding of credit risk thresholds and managing credit risk is strongly preferred. Formal credit training preferred. Equivalent education and experience will be considered.

AFFIRMATIVE ACTION

Security National Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state, and local laws.