Credit Analyst

Bank of the Valley has an opening for a Credit Analyst at our Columbus Downtown Administrative Building.  This position is responsible for analyzing credit data and financial statements to determine the risk and ability of the borrowers to repay commercial and agricultural loans. The incumbent will prepare financial spreads and credit presentations to facilitate informed loan decisions by loan officers and management.

Essential Functions and Responsibilities

• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and annual reviews.
• Provide recommendations based upon analysis and assessment of credit risk.
• Present analysis, findings, and recommendations to managers.
• Keep up to date with the company’s lending protocols
• Determine the degree of risk involved in extending credit by performing a cash flow analysis of each business.
• Reconcile credit files and identify discrepancies and variances.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• Review documentation to assure complete and accurate financial data is analyzed. Coordinate with other employees to obtain all required documentation.
• Provide a written review of the details uncovered while analyzing the financial statements. This includes providing recommendations and concerns regarding the prospective/present borrower(s).
• Review the financial condition of existing credits.  Analyze the trends, financial position, repayment ability, and risk rating accuracy. Suggest any risk rating changes as necessary.
• Complete monthly or quarterly spreads, as assigned, to monitor the ongoing performance of commercial and agricultural credits.
• Ensure that all analysis is conducted in a manner that keeps the safety of the bank as a top priority.
• Complete all other duties as assigned.

Required Skills

• Excellent verbal and written communication skills.
• Excellent organizational skills, attention to detail and high level of accuracy.
• Must be able to multi-task and organize priorities.
• Excellent interpersonal skills.
• Ability to work both independently and in a team environment.
• Critical thinking and complex problem-solving skills.
• Superior understanding of financial statements, ratios and concepts.
• Ability to maintain a high degree of confidentiality

Education and Experience

• Bachelor’s Degree in Business, Finance, Accounting or related field preferred.
• Previous Credit Analysis or Accounting experience is a plus.

To apply: email your resume to humanresources@bankofthevalley.com

Loan Administrator

Bank of the Valley has a job opening for a Loan Administrator at our Platte Center Branch.  This position supports our lending staff by requesting loan documents, maintaining loan files and retaining all supporting loan documentation.  The Loan Administrator will ensure that all loans and loan documentation is in compliance with regulations and bank policies and procedures.  Hours are Monday through Friday 8:00am – 5:00pm.

Essential Functions and Responsibilities

• Work with the Lenders and Processors to finalize pre-closing and post-closing documentation standards verifying that appraisals, flood determinations, title work, government filings, credit reports, process loan closing fees and any other underwriting documentation and checklists have been requested, received and completed to ensure accuracy.
• Ensure flood notice is sent to the customer and flood insurance is in place prior to closing when a loan is secured by real estate located in a Special Flood Hazard Area.
• Ensure that all liens are filed in a timely and accurate manner.
• Work with the lender to determine if collateral needs to be released.
• Assist the lender with gathering information from the borrower and scheduling and conducting loan closings as requested.
• Responsible for maintaining loan files to ensure that all documentation is in the file.
• Save all loan documentation to the bank’s electronic filing system.
• Provide necessary loan documentation to book loans on the bank’s core system.
• Ensure that all loan denials are sent to the applicant to ensure that regulatory deadlines are met.
• Assist the lender with inputting financials into the lending platform and preparing loan memorandums as requested.
• Assist with preparation of loan files and documentation requests for internal and external audits and exams.
• Assist customers with loan transactions, questions and research.
• Perform additional duties and responsibilities as directed.

Required Skills

• Customer service skills.
• Ability to adapt to rapidly changing regulations and enhanced Bank policies and procedures.
• Ability to work both independently and in a team environment.
• Good communication and interpersonal skills.
• Excellent organizational skills.
• Ability to maintain confidentiality at all times.
• Regular and predictable attendance.
• High level of accuracy.

Education and Experience

• High School Diploma or equivalent.
• Previous banking experience is preferred.

If you are interested in applying for this job, please email your resume to humanresources@bankofthevalley.com

Loan Operations Specialist

Bank of the Valley has an opening for a Loan Operations Specialist. This position is responsible for building, uploading, and maintaining all loans in the core system.  This role is integral to ensuring that all loans are accurate and payments and transactions are correct.  The Loan Operations Specialist prepares and distributes reports to various bank committees and other entities.  This position will be located at our Columbus Downtown Administrative Building.  Hours are Monday through Friday 8:00am – 5:00pm.

Essential Functions and Responsibilities

• Upload, build and maintain loans in the core system.
• Build participation loans and manage payments and advances with participating banks.
• Initiate wire transfers for loans and participations.
• Ensure loan payments are correct and accurate. 
• Correct, reverse and fix incorrect transactions.
• Reconcile General Ledger accounts.
• Investigate and correct all non-post items.
• File all original loan documents.
• Track all loan policy exceptions and report exceptions to Senior Loan Committee.
• Prepare paid off loan documentation and mail to customer.
• Assist other employees with loan questions.
• Prepare FSA Lender Status report semi-annually.
• Ensure that all coupon books are ordered.
• Prepare and submit Small Business Administration reports.
• Prepare and submit other reports such as the Nebraska Energy Payments report.
• Investigate and resolve E-Oscar disputes and notifications.
• Complete all other duties as assigned.

Required Skills

• Excellent verbal and written communication skills and interpersonal skills.
• Ability to work with and communicate with all employees of the bank.
• Analytical and detail-oriented.
• Ability to maintain discretion and confidentiality at all times.
• Ability to multi-task and organize priorities.

Education and Experience

• High School Diploma is required.
• Associate’s Degree in Accounting, Finance or Business is preferred.
• Previous experience in Loan Operations is a plus.

If you are interested in applying for this position, please send your resume to humanresources@bankofthevalley.com

Chief Financial Officer

Bank of the Valley has an opening for Chief Financial Officer.  This role directs and manages the bank’s accounting, financial and investment departments. This role is an executive level role that is responsible for planning, implementing, and managing all financial functions of the bank.

Essential Functions and Responsibilities:

• Manage the Bank’s capital, earnings, liquidity, and interest rate risk.
• Direct the preparation of all financial statements, including income statements, balance sheets, tax returns, and governmental agency reports.
• Supervise completion of all required bank regulatory reports, including, but not limited to, quarterly call reports and FRY-9.
• Manage the development of the Bank’s annual budget, in conjunction with managers.
• Regularly analyze bank performance compared to budget. Provide detailed reports of that analysis to management and Board.
• Oversee all accounts, ledgers, and reporting systems ensuring compliance with appropriate GAAP standards and regulatory requirements.
• Manage the Finance Department.
• Manage relationships with brokers and high-dollar customers.
• Assist in setting overall policy and procedures with interbank exposure with correspondent depository relationships ensuring compliance with Regulation F.
• Manage cash flow and forecasting to satisfy liquidity needs in the most cost-effective way possible without unduly sacrificing income potential.
• Manage bank’s investment portfolio. Initiate sales and purchases of securities.
• Monitor quality, liquidity, profitability of investment portfolio in accordance with existing bank policies.
• Review and update all investment related policies.
• Chair and provide reporting for Asset/Liability Committee (ALCO) meetings.
• Manage the assets and liabilities of the bank to provide consistent and optimum net interest margin, after-tax return on assets and return on equity while maintaining adequate liquidity and capital levels.
• Serve as liaison with auditors and examiners on financial matters.
• Set loan pricing and deposit rates.
• Attend Board meetings to report and explain Bank’s monthly financials.
• Keep up to date with GAAP and other regulatory compliance requirements.
• Complete all other duties as assigned.

Required Skills

• Excellent verbal and written communication skills and interpersonal skills.
• High-level leadership skills and professionalism.
• High-level problem solving and analytical skills.
• Ability to maintain discretion and confidentiality at all times.
• Must possess effective planning, organizational and problem-solving skills.
• Excellent Microsoft Excel skills.

Education and Experience

• Bachelors’ Degree in Business Administration, Accounting or Finance. Masters’ Degree is preferred. 
• CPA certification required.
• Experience working in a financial management position with supervisory duties preferred.
• Extensive background in financial institution accounting and auditing, operations, and policies and procedures preferred.

If you are interested in applying for this position, please send your resume to humanresources@bankofthevalley.com

Summer Intern

Bank of the Valley is currently seeking applicants for its Summer Internship program. 

The Summer Intern will gain hands-on experience in various banking departments, including customer service, financial analysis, compliance and lending.  The incumbent will gain this experience by assisting with daily tasks under the guidance of experienced staff.  The goal of this position is to learn about the banking industry and have first-hand experience of the many areas of banking.  Responsibilities may include customer interactions, data entry, account opening support, basic financial analysis, and assistance with departmental projects.  This is a temporary position that lasts from May until August.

Essential Functions and Responsibilities

• Shadow experienced bankers across various departments.
• Assist with customer service inquiries and transactions at teller stations.
• Assist with opening new accounts and account maintenance requests.
• Support loan officers in loan application processing and documentation.
• Conduct basic financial analysis and data entry.
• Participate in marketing and outreach initiatives.
• Learn about compliance regulations and procedures.
• Complete all other duties as assigned.

Required Skills

• Strong analytical and problem-solving abilities.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office Suite.
• Ability to work independently and in a team environment.
• Interest in the banking industry and career path.
• Ability to maintain a high level of confidentiality.

Education and Experience

• Currently enrolled in a bachelor’s degree program with a focus on finance, accounting, business, or related field.

If you are interested in applying for this position, please send your resume to humanresources@bankofthevalley.com

Bank of the Valley offers a competitive salary and benefits package. 

Bank of the Valley is an Equal Opportunity Employer

EEO IS THE LAW POSTER