Welcome! We're serving you with a higher level of personal service, including personal, private, business and commercial banking, home mortgages, and investment and wealth management. We're located in Omaha, NE; Council Bluffs and West Des Moines, IA; and Dallas, TX, providing employees with great opportunities for career growth. 

What's our culture like? It's a culture of individuals who care about each other's success, working together as one company. Visit our LinkedIn news feed and Facebook page to get a glimpse of what it's like to work at Security National Bank.

We also invite you to visit our careers page to learn more about our work perks. You'll find a positive difference working for a family-owned community bank with the reach and resources of many larger competitors yet remaining connected to our local community and businesses with a commitment to our most important asset, our people.

Equal Housing Lender | Member FDIC | Equal Opportunity Employer
NMLS# 402531

Industry: Banking
Company Size: 201-500 employees

Security National Bank

Savvy Admin PROD

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%)**

- Collaborates with Relationship Managers to independently evaluate, advise, and structure new, existing, and complex credit opportunities.

- Acts as a seasoned credit product advisor to Relationship Managers and clients regarding loan structures, covenant design, collateral support, guarantor strength, and policy/risk appetite considerations.

- Interprets credit policy and advises internal partners.

- Leads credit discussions, including evaluation of strengths, weaknesses, opportunities, threats, and relevant industry or other considerations.

- Prepares or oversees preparation of clear, concise, and decision-ready credit memoranda and proposals for approvers.

**Portfolio Management (25%)**

- Manages a portfolio of accounts in partnership with Relationship Managers.

- Communicates directly with clients regarding credit events, financial position, and actions as needed, serving as second contact and strategic advisor to Relationship Managers and assigned portfolio of clients and prospects.

- Identifies emerging risks and ensures risk ratings are evaluated accurately and proactively.

- Advises clients, RMs, and approvers on issues arising during portfolio management efforts.

- Drives portfolio management cadences on a proactive basis, including collection, processing, and completion of financial statement, borrowing base and covenant tracking items, management of renewal and annual review processes, and ongoing evaluation of risk grades.

**Financial Analysis & Underwriting (25%)**

- Leads underwriting efforts for prospective and existing clients in collaboration with Relationship Managers and Credit Analysts.

- Presents and defends credit recommendations to Loan Committee/approvers.

- Exercises discretion and independent judgment in an analytical capacity by independently underwriting loans with minimal supervision needed - completing informative, well thought out and concise written analysis of the applicant’s ability to repay the loan and assess the strengths & weaknesses of the Bank’s repayment sources in light of industry and other environmental trends.

- Identifies, documents, and mitigates Policy exceptions.

- Ensures adequate completion of individual monthly Problem Asset Reports for loans risk rated Special Mention (“5”) or worse to ensure completeness and accuracy including: Risk rating rationale, nonaccrual & TDR determination, reserve & impairment discussion, cash flow analysis, collateral analysis,

**Loan Documentation Negotiation and Review (15%)**

- Reviews and negotiates loan documents in partnership with Relationship Managers, ensuring consistency with approvals and prudent evaluation of documentation risk.

- Partners with internal and external counsel and loan operations to resolve client requests and internal/external issues.

- Works with Loan Assistants and Loan Operations Staff to navigate through closing processes and ensure compliance with bank operations and credit standards.

- Generates and reviews term sheets and commitment letters.

**Leadership (15%)**

- Demonstrates leadership as an individual contributor by sharing knowledge, modeling high standards, fostering accountability, and promoting open communication.

- Reviews, critiques and refines analyst work and narratives while ensuring Bank standards are met.

**Performs Other Duties As Required And Assigned**

**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 Mangers 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.

Commercial Portfolio Manager - Texas / Onsite Only

Fisher Investments is an independent, fee-only investment adviser serving clients across three principal business units: US Private Client, Institutional and Private Client International. Together, these groups serve a diverse global client base that includes corporations, public and multi-employer pension funds, foundations and endowments, governments and high net worth families. 
 
Fisher Investments was founded in 1979 by Ken Fisher, who served as CEO for 37 years and now serves as Executive Chairman and Co-Chief Investment Officer. Ken wrote the Forbes “Portfolio Strategy” column from 1984 through 2016, making him the longest continuously running columnist in the magazine’s history. He now writes monthly native language columns in major media organs around the world, spanning more countries and more total volume than any other columnist of any type ever. Ken has written 11 books—including 4 New York Times bestsellers—and has regularly appeared on CNBC, Fox Business, Fox News, CNN International, Yahoo Finance, Bloomberg TV, and numerous other financial news outlets.
 
For more information on Fisher Investments, please visit www.fisherinvestments.com. 

Careers Page: https://www.fisherinvestments.com/en-us/careers 
 
Important Disclosures: https://www.fisherinvestments.com/en-us/disclosures 
 
Privacy Policy: https://www.fisherinvestments.com/en-us/privacy 
 
Community Guidelines: https://www.fisherinvestments.com/en-us/communityguidelines

Industry: Financial Services
Company Size: 1,001-5,000 employees

Fisher Investments

**Overview**

Are you passionate about helping others build their best version of the financial future? Do you enjoy solving complex problems and sharing knowledge with others? Fisher Investments is hiring a Financial Planning Counselor to join our efforts to better the investment universe!

**The Opportunity:**

As a Financial Planning Counselor, you will work alongside our internal Relationship Managers as the point person for complex financial planning education and analysis. You will develop and broaden your financial planning knowledge, work with multiple departments in the firm and have in-depth conversations with clients to help them determine the right path for their financial future. You will report to your Team Manager who will aid in your training for the role and professional development for future growth opportunities.

**The Day-to-Day:**

-  You will use your expertise in financial planning topics to help support our internal Relationship Managers and clients

-  You will complete financial plans and other detailed analyses for existing clients

-  Proactively look for efficiency improvements, suggest solutions and elevate issues or concerns

-  Report on feedback, trends and more to the Private Client Group Programs management

-  You will host sessions for internal and external clients

**Your Qualifications:**

-  5+ years of experience within financial services

-  You have in-depth knowledge of financial planning topics (CFP beneficial)

-  You communicate with a wide array of audiences by phone and email

-  Manage complexity and coordinate across several departments under strict timelines

**Why Fisher Investments:**

We work for a bigger purpose: bettering the investment universe. We take great pride in our inclusive culture, our learning and development framework customized for every employee, and our Great Place to Work Certification. It's the people that make the Fisher purpose possible, and we invest in them by offering exceptional benefits like:

-  100% paid medical, dental and vision premiums for you and your qualifying dependents

-  A 50% 401(k) match, up to the IRS maximum

-  20 days of PTO, plus 10 paid holidays

-  Family Support programs including 8 week Paid Primary Caregiver Leave, $10,000 fertility, family forming, and hormonal health assistance, and back-up child, adult, and elder care

-  This is an in-office role. Based on your role, tenure, and performance eligibility you may have the opportunity to participate in our hybrid work from home program. This program is subject to change.

FISHER INVESTMENTS IS AN EQUAL OPPORTUNITY EMPLOYER

Financial Planning Counselor

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