Career Opportunities

A career at Great Plains State Bank is more than just a job — it’s an opportunity to impact the lives of others in your community. GPS Bank prides itself on great personal service and community support. Join our team today to discover a future of opportunities.

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Commercial Portfolio Manager

Job Summary

The Commercial Portfolio Manager is responsible for supporting the management and ongoing performance of the commercial loan portfolio through credit analysis, underwriting support, risk identification, and portfolio monitoring. This role partners with the Market President and lenders to evaluate new and existing credit relationships through financial statement spreading, borrower and global cash flow analysis, collateral and guarantor analysis, annual relationship reviews, and credit approval package preparation. The position also supports portfolio administration, covenant and exception tracking, and adherence to bank policies, credit standards, and regulatory requirements to promote sound credit quality and disciplined portfolio management.

Core Underwriting and Risk Responsibilities

Work with loan officers and clients to anticipate, identify, and collect documents needed for efficient and timely approvals on new and existing credit relationships.
Validate that all credit files are complete, identify documentation deficiencies and emerging credit risks, and report findings to market president, loan officers, and credit administration for timely resolution to maximize credit quality and minimize risk of loss to the bank.
Assist in reviewing closing documentation to ensure that the terms and structure of loans conform to bank policy, approved conditions, and prudent credit standards.
Maintain a strong working knowledge of the bank’s lending policies and procedures and identify policy exceptions requiring escalation or mitigation.
Assist in reviewing loan files as needed to ensure quality, consistency, and compliance with lending guidelines.
Assist in monitoring a commercial loan portfolio by performing financial statement spreads, cash flow analysis, borrowing base review, and ongoing risk assessment to identify deterioration, policy exceptions, and emerging credit concerns.
Assist in the preparation of loan evaluations for new credit requests, renewals, extensions, modifications, and annual relationship reviews, including borrower cash flow analysis, collateral analysis, guarantor analysis, and global cash flow analysis to assess repayment capacity, credit structure, and overall risk.
Assist in maintaining credit tracking systems for past dues, borrowing bases, annual reviews, covenant compliance, and other portfolio monitoring requirements for the Omaha location.
Assist in making risk-based credit recommendations to the person(s) making final lending decisions on new, renewal, extension, and modification requests, including identification of structural strengths, weaknesses, mitigants, and policy exceptions.
Assist in providing underwriting guidance, technical analysis, and credit risk insight to the Market President and loan officers.
Assist lenders with presentation for Loan Committee and participate in these meetings as an observer and support the lender.
Assist in the support of lending decisions through thoughtful credit analysis and effective partnership with lenders and customers.

Operational and Administrative Support

Work cooperatively with Loan Services Department and Loan Officers to ensure proper documentation in an effective and efficient manner.
Aid in reviewing, preparing, and maintaining various credit files and following up on outstanding items.
Assist with process advances and disbursements and assist with preparation of payoff letters.
Assist in day-to-day administrative support for loan processing, including payment processing, document preparation, and post-closing duties.
Assist in working closely with post-closing loan administration to ensure onboarding of all loans is successfully completed.
Assist in tracking past-due accounts and facilitate client communications regarding collections.
Assist lenders in evaluating, drafting, and implementing loan workout solutions.
Assist in the safeguard of original notes and collateral.
Assist in maintaining and management of the loan exception list to perfect collateral, update taxes and insurance, and ensure all file items are current.
Assist in processing adverse actions and withdrawals, including sending declination letters and completing adverse action forms.
Assist with cross-selling and referrals to other departments of the bank.
As part of the overall team, the position may be requested to assist in the support of other bank activities and duties.

Qualification/Skills

Strong working understanding of financial statements, including GAAP prepared and OCBOA prepared financial statements
Ability to analyze complex financial information.
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Effective verbal and written communication skills
Proficient computer navigation skills using a variety of software packages; knowledge of Fiserv and Moody’s software is a plus.
Ability to organize and prioritize situations where changes frequently occur.
Ability to respond effectively to the most sensitive inquiries/customer resolution.
License or Certification is a plus (i.e., CRC, CCRA, NACM, CBCA, CFA, CRA)
Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or a related field, or 2–5 years of banking, finance, or accounting experience.

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Mortgage Loan Originator

The Mortgage Loan Originator is responsible for originating, developing, and managing a residential mortgage loan portfolio by building strong relationships with customers, real estate professionals, builders, contractors, and other referral sources. This position requires that there is work time outside the office generating new business, cultivating referral partnerships, and providing exceptional service to new and existing customers. You will guide the borrower throughout the mortgage lending process by evaluating borrowers’ financial needs, recommending appropriate loan products, collecting and reviewing financial documentation, providing required disclosures, coordinating with underwriting and processing teams, and ensuring loans originate in compliance with all applicable federal and state regulations, investor guidelines, and bank policies.

Responsibilities

Develop and maintain new customer relationships through networking, community involvement, and business development activities.
Build and maintain referral partnerships with real estate agents, builders, contractors, financial professionals, and other industry contacts.
Regularly work outside the employer’s place of business to solicit new mortgage business and strengthen customer relationships.
Interview prospective borrowers to assess financial needs and determine eligibility for residential mortgage, home equity, consumer, and construction loan products.
Originate residential mortgage loans, home equity loans and lines of credit (HELOCs), construction loans, and other consumer lending products in accordance with bank policies and underwriting guidelines.
Analyze income, assets, liabilities, employment history, and credit reports to recommend appropriate lending solutions that meet customer needs.
Explain loan products, terms, interest rates, fees, repayment options, and closing costs to borrowers.
Collect, review, and verify required documentation to ensure complete and accurate loan applications and supporting files.
Prepare and deliver all required loan disclosures within regulatory timeframes.
Monitor loan files throughout the approval process, providing regular updates to borrowers, real estate agents, builders, contractors, and internal partners.
Coordinate with processors, underwriters, title companies, appraisers, inspectors, and closing agents to facilitate timely loan approvals and closings.
Attend loan closing as needed and provide ongoing customer support throughout the lending process.
Review declined loan applications and recommended alternative mortgage, home equity, consumer, or construction lending solutions when appropriate.
Evaluate loan portfolio performance, monitor industry trends, and identify opportunities to increase production while minimizing risk.
Collaborate with branch personnel to promote mortgage, consumer, and home equity lending products and cross-sell additional bank products and services.
Maintain knowledge of residential mortgage, home equity, consumer, and construction loan products, secondary market requirements, and investor programs, including FNMA, FHA, VA, USDA (RD), and NIFA guidelines.
Ensure all lending activities comply with bank policies, underwriting guidelines, federal regulations, state laws, and industry best practices.
Maintain accurate customer records and prepare required production, pipeline, and status reports.
Maintain regular and reliable attendance.
Perform other duties as assigned.

Knowledge, Skills and Abilities

Thorough knowledge of residential mortgage lending, loan origination, underwriting guidelines, and secondary market requirements.
Knowledge of conventional, FHA, VA, USDA (RD), FNMA, and NIFA loan programs.
Strong understanding of federal lending regulations, state laws, compliance requirements, and bank policies.
Excellent sales, customer service, relationship-building, and negotiation skills.
Strong analytical and financial assessment abilities.
Outstanding verbal, written, and interpersonal communication skills.
Highly organized with exceptional attention to detail and accuracy.
Ability to manage multiple priorities while meeting deadlines.
Self-motivated with the ability to work independently and achieve production goals.
Proficient in Loan Origination Systems (LOS), Microsoft Office Suite, email, and other banking software.
Willingness to travel to off-site locations as business needs require.

Qualifications

High School Diploma or equivalent.
Position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z
Minimum 2 -year residential mortgage lending experience.
Understanding of mortgage processing, underwriting, and closing procedures.
Understanding of Residential Lending Regulatory Requirements to maintain compliance.
Ability to work in a team environment.
Strong computer skills (MS Office, LOS System, E-sign, Excel etc.).
High degree of attention to detail and ability to multitask in a fast-paced environment.

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