Sr. Commercial Loan Assistant

Established in 1964 in Omaha, Nebraska, our family-owned financial institution's vision is to be the best in class in meeting the evolving 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 delivering exceptional support and serving as a liaison between our Commercial Lending Team and clients throughout the lending process. This includes but is not limited to overseeing loan documentation and processing, managing loan closings/post-closings, disbursing payments, resolving complex issues, and ensuring strict adherence to policies, procedures, and regulations. Operating with confidence and autonomy, this position will play a pivotal role in maintaining an efficient, effective, and highly customer-centric experience.

ESSENTIAL FUNCTIONS

Loan Assistant Support (40%)

• Works directly with borrower(s), Lender, and Loan Processing to compile documentation necessary to close, fund and service the loan. Includes new customer loans, renewals, and reviews.
• Responds to customer service calls pertaining to new and existing loan requests, loan draws, wires, pay downs/payoffs and any other loan related features. Including but not limited to related account research such as loan verifications, deposit verification, statements, historical loan or deposit information, etc.
• Monitors daily Non-Sufficient Funds (NSF) reports by obtaining necessary approvals and communicates with customers as appropriate.
• Supports the Lending team with monitoring all Business Unit tracking items. Includes reaching out to customers to obtain the necessary documents per loan agreements. Tracks daily NSFs and work with customers to resolve in a timely manner.

Correspondence and Collaboration Efforts (25%)

• Leads the correspondence with attorneys preparing loan documentation, overseeing the entire process to ensure accuracy and completeness.
• Leads the collaborative effort with the Lending Team to collect and review supporting documentation to ensure loan and deposit files are accurate, contain proper documentation, signatures, and other relevant data prior to and post-closing. Includes reviewing and collection of CIP, organizational documents such as Articles of Organization, Bylaws, Operating and Trust Agreements, ordering Appraisals and Environmental, Flood, UCC searches and working with Title Companies, etc.
• Serves as primary contact between external vendors such as inspectors and insurance companies and other support areas of the bank, including but not limited to Treasury Management Sales and Operations, Wire and Deposit Operations, Accounting.

Customer Service & Support (25%)

• Ensures exceptional customer service by maintaining a thorough knowledge of procedures, regulatory requirements, demonstrating a commitment to professional ethics while complying with all state and federal compliance polices. Includes but not limited to duties outlined in Loan Assistant Support section above.
• Maintains business unit's loan files by consistently organizing and filing documents to the appropriate centralized location in a timely manner.
• Updates and maintains tracking items within lending software.
• Contacts customers to resolve Past Due Tracking Items and ensure timely resolution.
• Proactively works with Lending team to collect routine tracking items and resolve documentation issues, policy violations and compliance exceptions.

Leadership (5%)

• Exhibits leadership as an individual contributor by supporting the team and company through sharing of knowledge, leading by example, setting high standards for self and team, being accountable, demonstrating open communication, acknowledging, and supporting other's efforts, and providing feedback when appropriate.
• Leads training with new Loan Assistants.
• Completes special projects assigned.
• Serves as a primary backup resource for other Commercial Loan Assistants, offering expertise and support.

Other Loan Administrative Processes (5%)

• Collaborates with Business Unit in reviewing various loan reports, such as Past Dues and New loan reporting.
• Leads the notarization process of documents or arranges notarization as needed, ensuring accuracy and compliance.
• Actively participates in scheduled meetings with the Lending team.
• Generates email correspondence and memos as directed by the Lending Team, maintaining effective communication with internal Business Units, Title Companies, Attorneys, etc.
• Establishes and updates internal procedures for all processes, ensuring alignment with regulatory requirements and best practices.
• Verifies and processes transactions (fees, etc.) in Business Unit GL as needed.

Performs other duties as required and assigned.

KNOWLEDGE, SKILLS, AND ABILITIES

• Advanced knowledge and understanding of lending terminology and solid knowledge of compliance regulations, including but not limited to Truth in Lending Act (Reg Z), RESPA & FCRA.
• Ability to work independently and demonstrate time management, organizational skills, and the ability to meet deadlines.
• Ability to be a team player in a fast-paced growing organization.
• Ability to independently follow through and complete special projects assigned, by researching, organizing, tracking, prioritizing and proactively communicating any challenges and resolutions.
• High level of ability to handle heavy workloads, including multiple tasks and interruptions at the same time, and to be able to independently prioritize those tasks to meet deadlines.
• Ability to complete tasks with strong attention to detail, to protect the bank against risk.
• High level of verbal and written communication skills to be able to provide and promote high level customer service to both internal and external customers, through effective & positive communication, leadership, and teamwork.
• Proficient skills with navigating bank client account software to research and resolve internal and external customer inquiries.
• Efficient skills in Word and Excel, to be able to work with and create spreadsheets, understand formulas, and prepare reports.
• Ability to complete required training by assigned due date.
• Ability to maintain predictable and reliable attendance.

EDUCATION*

• Minimum of a High School Diploma or equivalent required; college degree in finance, accounting or business preferred.

EXPERIENCE*

• Minimum of 4-5 years of progressing responsibility with commercial loan documentation or similar experience required.
• Prior experience working with attorney-prepared loan documentation required.

*Equivalent education and experience will be considered

PHYSICAL REQUIREMENTS

While performing the duties of this job, the employee is regularly required to stand; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee frequently is required to walk. The employee is occasionally required to stoop or kneel. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and depth perception.

WORKING CONDITIONS

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

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.