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Location: St. Louis, MO
As a Loan Processor at Vista National Bank & Trust, you will play a pivotal role in ensuring the efficient and accurate processing of loan applications. You will work closely with the underwriting and lending teams to provide clients with exceptional service and timely responses. By maintaining high standards of accuracy and organization, you will contribute to the Vista Way of delivering tailored financial solutions with professionalism and care.
Responsibilities
- Loan Processing: Prepare, review, and process loan applications, ensuring compliance with all regulatory and company guidelines.
- Client Interaction: Serve as the main point of contact for borrowers during the loan process, answering questions and providing updates.
- Document Management: Collect, organize, and verify loan application documents, including income, asset, and credit information.
- Coordination: Liaise between borrowers, underwriters, and third parties (e.g., appraisers, title companies) to ensure all required documentation is completed and submitted in a timely manner.
- Compliance: Maintain a thorough understanding of lending regulations and ensure all loan files meet regulatory and policy requirements.
- System Updates: Input loan details into internal systems and maintain accurate, up-to-date records of the loan pipeline.
- Issue Resolution: Identify and resolve discrepancies or missing information in loan files.
Who You Are and How You Work
- Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
- A detail-oriented multitasker with exceptional organizational skills and the ability to meet deadlines.
- An excellent communicator who can build rapport with clients and team members.
- Comfortable navigating ambiguity and problem-solving complex situations with a proactive approach.
Qualifications
- Two or more years of experience in loan processing or a related role.
- Strong knowledge of lending regulations and compliance requirements.
- Proficiency in loan origination systems and financial software.
- Exceptional attention to detail and analytical skills.
- Proficiency in Microsoft Office Applications.
- Retail and commercial banking experience is preferred.
- Experience with banking software and loan processing platforms is a plus.
About Vista
Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.
Location: Denver, CO; Cody, WY; St. Louis, MO; Indiana
As a Loan Underwriter at Vista National Bank & Trust Company, you will be responsible for evaluating loan applications to assess risk and ensure compliance with regulatory and company standards. Your role will involve analyzing financial data, determining creditworthiness, and providing timely and accurate decisions on loan applications. You will uphold the Vista Way by delivering thoughtful, client-focused solutions while managing the bank’s risk effectively.
Responsibilities
- Risk Assessment: Review and analyze loan applications, financial statements, credit reports, and other supporting documents to assess borrower risk.
- Decision Making: Approve, decline, or recommend loan applications based on established underwriting guidelines.
- Documentation: Maintain detailed and accurate records of all underwriting decisions and supporting analyses.
- Compliance: Ensure all loan files comply with regulatory requirements and company policies.
- Communication: Work closely with loan officers, processors, and other stakeholders to address questions, clarify requirements, and resolve discrepancies.
- Policy Contribution: Provide feedback on underwriting guidelines and assist in refining processes to enhance efficiency and reduce risk.
- Monitoring: Track trends in loan performance and recommend adjustments to underwriting practices as needed.
Who You Are and How You Work
- Analytical and detail-oriented with a passion for making data-driven decisions.
- A strategic thinker who can balance risk management with client needs.
- An excellent communicator capable of explaining underwriting decisions clearly and professionally.
- A team player eager to collaborate with others while maintaining independence in decision-making.
Qualifications
- Three or more years of experience in loan underwriting or a similar role.
- Consumer and commercial experience required.
- Strong understanding of lending regulations and compliance requirements.
- Expertise in financial statement analysis and credit evaluation.
- Proficiency in loan origination systems and underwriting software.
- Exceptional analytical, numerical, and problem-solving skills.
- Proficiency in Microsoft Office Applications.
- Experience in underwriting complex loans is a plus.
About Vista
Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.
Location: Saint Louis, MO; Birmingham, AL; Chicago, IL; Milwaukee, WI; Denver, CO; Kansas City, KS; Nashville, TN; Cody, WY and WY at large; Indianapolis, IN
As the Controller at Vista National Bank & Trust, you will play a crucial role in ensuring VNBT remains a trusted, accountable, efficient and forward-thinking institution. The Controller is responsible for overseeing all financial, accounting, and reporting functions of the bank, ensuring accuracy, regulatory compliance, and financial stability.
This role includes managing payroll, financial reporting to the board, preparing financial statements, overseeing audits, accounting and ledger management, and ensuring adherence to internal controls and banking regulations. The Controller works closely with senior management to support strategic financial planning and decision-making.
By maintaining high standards of accuracy and organization, you will contribute to the Vista Way of delivering tailored financial solutions with professionalism and care.
Responsibilities
Financial Management & Reporting
- Oversee and manage the bank’s accounting and financial reporting functions.
- Prepare and present monthly, quarterly, and annual financial statements in accordance with Generally Accepted Accounting Principles (GAAP) and regulatory requirements.
- Ensure compliance with FDIC, OCC, Federal Reserve, and state banking regulations.
- Conduct variance analysis and provide management with insights into financial performance.
- Ensure timely completion of Call Reports, FR Y-9 reports, and other required regulatory filings.
Board & Executive Reporting
- Prepare and present financial reports to the Board of Directors, including balance sheets, income statements, and key financial ratios.
- Assist senior leadership in developing strategic financial plans based on financial projections and performance trends.
- Respond to board inquiries regarding bank performance, risk management, and financial projections.
- Maintain accurate and transparent financial records for board review and regulatory audits.
Regulatory Compliance & Risk Management
- Ensure compliance with banking regulations, internal policies, and accounting standards.
- Coordinate and support regulatory exams and internal/external audits.
- Maintain up-to-date knowledge of banking laws, financial regulations, and tax laws.
- Develop and oversee internal controls to prevent fraud and ensure the integrity of financial data.
Payroll & Employee Benefits Management
- Oversee biweekly/monthly payroll processing, ensuring accuracy and compliance with federal and state payroll regulations.
- Manage payroll tax filings, W-2s, 1099s, and other tax-related reports.
- Work with HR and benefits administrators to manage payroll deductions, 401(k) contributions, and employee benefits payments.
- Ensure compliance with wage laws, overtime regulations, and employment tax requirements.
Budgeting & Financial Planning
- Lead the annual budgeting process, working closely with senior management to forecast revenues and expenses.
- Monitor cash flow, liquidity, and capital adequacy to support operational needs and strategic growth.
- Develop and maintain financial models for strategic planning, profitability analysis, and cost control.
- Assist with asset/liability management and interest rate risk strategies.
Accounting Operations & Treasury Management
- Supervise day-to-day accounting operations, including accounts payable, accounts receivable, payroll, reconciliations, and expense management.
- Daily posting of general ledger entries, monthly closing of books, and adjusting entries.
- Oversee loan accounting, investment accounting, and deposit accounting functions.
- Manage bank reconciliations and oversee wire transfers, ACH transactions, and cash management.
- Ensure accuracy and efficiency in Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance processes.
Technology & Process Improvement
- Implement and enhance financial systems, accounting software, and automation tools to improve efficiency.
- Collaborate with IT and operations teams to improve financial reporting and data analytics capabilities.
- Identify and implement process improvements to enhance operational effectiveness and cost savings.
Leadership & Team Management
- Supervise and mentor accounting and finance team members, fostering a high-performance culture.
- Provide training on financial policies, regulatory updates, and best practices to ensure compliance.
- Collaborate with other departments, including lending, operations, and risk management, to support overall bank success.
Who You Are and How You Work
- Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
- A detail-oriented expert with exceptional organizational skills and the ability to meet deadlines.
- An excellent communicator who can provide clear explanations to management, external resources and agencies, clients and team members.
- Comfortable navigating ambiguity and problem-solving complex situations with a proactive approach.
Qualifications
Education & Experience
- Bachelor’s degree in Accounting, Finance, or Business Administration (required).
- CPA, CMA, or MBA (preferred).
- 5+ years of accounting/financial management experience in a banking or financial services environment.
- Previous experience as a Controller, Assistant Controller, or senior-level accountant in a community bank (preferred).
Technical Skills
- Strong knowledge of GAAP, regulatory reporting (Call Reports, FR Y-9, SEC filings if applicable), and bank financial reporting.
- Proficiency in banking accounting software (e.g., Fiserv, Jack Henry, FIS, QuickBooks, or similar platforms).
- Experience with payroll processing software (ADP, Paychex, or in-house payroll systems).
- Advanced Excel skills and familiarity with data analysis and financial modeling.
Soft Skills
- Strong leadership, communication, and problem-solving abilities.
- Detail-oriented with a high level of accuracy and analytical thinking.
- Ability to work independently and collaboratively in a team environment.
- Strong ethical standards and ability to handle confidential information.
About Vista
Vista believes in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.