Senior Commercial Loan Officer
The Senior Commercial Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of real estate and commercial loans in compliance with the Bank’s lending policies and procedures. Additionally, the Senior Commercial Loan Officer develops business checking and deposit relationships with customers and promotes business for the Bank by maintaining good customer relations.
Primary Responsibilities
- Engages in business development activities and solicitation of new business.
- Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
- Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
- Gathers and analyzes all information necessary to present a financing request to senior management or Director Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; refers and recommends approval to the Chief Credit Officer, CEO, and/or Director Loan Committee.
- Coordinates processing of approved loans; ensures loans are processed according to agreement, client needs and conform to Bank lending policies; obtains sufficient information and/or documentation from clients; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
- Ensures proper collateral position is achieved.
- Negotiates, underwrites and processes renewals of credit facilities.
- Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
- Contributes to the overall profitability of the Bank.
- Represents the Bank in various civic, community development, and CRA functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
- Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
- Directly responsible in meeting annual deposit and loan growth goals assigned by senior management.
- Monitors assigned loan portfolio and follows up with clients to ensure adherence to financial covenants.
- Develops and maintains knowledge of Bank policy, financial industry, client industries, the general economy, market conditions, rates, vendors and competition; uses this knowledge to improve the renewal and loan servicing process.
Qualifications
- Bachelor’s degree or equivalent from an accredited college or university and five (5) years or more related experience and/or training; or the equivalent combination of education and experience.
- Work related experience should consist of:
- An in-depth background in commercial lending, including: soliciting, negotiating, underwriting and closing of commercial loans. Experience in SBA lending a plus.
- Financial analysis, bank operations, and compliance.
- Demonstrated ability to analyze various financial statements, tax returns, cash flow, and business operations.
- Comprehensive working knowledge of Bank products, services and regulations and statutes associated with banking service and commercial loans.
- Working knowledge of Bank policies and procedures, and the Bank’s products and services
- Advanced experience, knowledge and training in all lending activities and terminology.
- Advanced knowledge of commercial, construction, and real estate loan processing.
- Ability to develop marketing and business development skills with clients.
- Exceptional oral, written and interpersonal communication skills.
- Exceptional organizational and time management skills.
- Ability to work with no supervision while performing duties.
As a premier community bank, we realize that our success is the result of the hard work and dedication of our people. We believe that embracing change, empowering our employees, and building a positive team environment are the foundation in achieving even more success with limitless possibilities.
Job Type: Full-time
Apply now by mailing your resume to First Security Bank of Nevada, 9130 W. Russell Road, Suite 300, Las Vegas, NV 89148 or by emailing it to jobs@fsbnv.com.
Personal Banker
The Personal Banker will have substantial exposure to client interaction and is expected to promote business for the Bank by maintaining excellent client relations and referring clients to appropriate staff/lines of business for new services. The Personal Banker is required to be fully knowledgeable and skilled in the areas of teller, vault, ATM, and basic branch operation functions.
Essential Functions:
- Provides account services to clients by receiving deposits and loan payments; cashing checks; handling savings withdrawals; recording and processing courier, night and mail deposits; and selling cashier's checks.
- Assists consumer and business clients in their selection of various accounts, products, and financial services offered by the Bank. Ensures cross-sell opportunities are presented by applying professional sales techniques.
- Enrolls clients in internet banking, performs password resets, and troubleshoots internet banking issues.
- Assists clients with concerns and questions via telephone, in-person, and through internet banking channels.
- Investigates and corrects errors and resolves problems and issues within given authority.
- Accurately balances teller cash drawer daily.
- Assists in opening and closing the vault, balancing vault currency and coin, preparing outgoing currency and coin shipments, and placing currency orders for the branch.
- Provides support to all assigned areas of branch operations where service or assistance is needed.
- Completes administrative tasks accurately and efficiently.
- Adheres to Bank policies and procedures; supports the Bank’s goals and values.
Minimum Requirements:
- 1+ years of teller experience in a financial institution.
- 3+ years of customer service experience.
- Experience opening new bank accounts is a plus.
- High School diploma or equivalent.
Job Knowledge/Work Experience:
- Customer service oriented
- Attention to detail
- Proficient in Microsoft Office applications
- Excellent verbal and written skills
As a premier community bank, we realize that our success is the result of the hard work and dedication of our people. We believe that embracing change, empowering our employees, and building a positive team environment are the foundation in achieving even more success with limitless possibilities.
Job Type: Full-time
Apply now by mailing your resume to First Security Bank of Nevada, 9130 W. Russell Road, Suite 300, Las Vegas, NV 89148 or by emailing it to jobs@fsbnv.com.
Senior Accountant/Controller
Summary:
The ideal Senior Accountant/Controller will have substantial exposure to the monthly closing processes, forecasting/budgeting and financial statement preparation. They must be organized and approach each issue with an analytical mindset.
The Senior Accountant/Controller will support the Chief Financial Officer; ensure the accuracy and timely completion of all financial reports, direct day-to-day accounting activities, and liaison with various departments throughout the organization.
Essential Functions:
- Coordinate the day-to-day accounting activities, including but not limited to the review of expenditures to ensure compliance with budgets.
- Manage the month-end close process, ensuring all business transactions are reported in accordance with generally accepted accounting principles, and certifications are completed on all balance sheet accounts.
- Assist the CFO in managing the Bank’s liquidity position by reviewing the daily cash position and ensuring that appropriate balances are maintained in correspondent accounts.
- Responsible for the preparation of various regulatory reports, maintaining 100% compliance record, ensuring that all reports are prepared accurately and within required timeframes.
- Assist in the preparation of the monthly board of director financial packages, budget process and ALCO.
- Subject matter expert and liaison with business units and information technology to ensure that financial systems can accommodate new products.
- Provide assessments and recommendations on matters affecting the profitability of the Bank by applying methods to analyze and extract required information beyond the capabilities of automated systems.
- Liaison with internal, external and regulatory auditors during review and audits to ensure full cooperation from finance staff and compliance with all requests.
- Responsible for gathering financial data for ad hoc requests.
Minimum Requirements:
- 5+ years of professional accounting experience, preferably in Banking/Financial Services
- Bachelor’s degree in Accounting or related discipline required
- CPA strongly desired
Job Knowledge/Work Experience:
- Successfully manage multiple priorities with quick turnaround
- Extreme attention to detail a must
- Advanced proficiency in Microsoft Office applications required (Excel, Word, PowerPoint)
- Excellent verbal, written and leadership skills a must
As a premier community bank, we realize that our success is the result of the hard work and dedication of our people. We believe that embracing change, empowering our employees, and building a positive team environment are the foundation in achieving even more success with limitless possibilities.
Job Type: Full-time
Apply now by mailing your resume to First Security Bank of Nevada, 9130 W. Russell Road, Suite 300, Las Vegas, NV 89148 or by emailing it to jobs@fsbnv.com.