Business Banker

COMPANY OVERVIEW

Two Rivers Financial Group, Inc., through our wholly owned subsidiary of Two Rivers Bank & Trust offers financial solutions encompassing banking and wealth management services with locations in Ankeny, Burlington, Coralville, Davenport, Des Moines, Fort Madison, Keokuk, Mediapolis, Mount Pleasant, Urbandale, West Burlington, and West Point, Iowa.

We are not only committed to providing excellent customer service and financial expertise, but Two Rivers is also extremely passionate about volunteering and investing in the communities we serve.

Two Rivers is confident you will find opportunities and rewards with our company - whether you are a seasoned financial service professional or someone looking to begin a new career.   

Surround yourself with innovative solutions and empowered coworkers.  Come join the Two Rivers Team! 

POSITION PURPOSE

This position is responsible for growing and retaining profitable relationships and assisting in the introduction of other Two Rivers Bank & Trust products and services to clients.

EDUCATION AND WORK EXPERIENCE

• Bachelor’s degree in business, economics, finance, or comparable banking degree or comparable years of similar work experience.
• Seven or more years lending experience.
• Experience in Commercial and Industrial, Commercial Real Estate and SBA lending preferred.
• Portfolio management experience preferred.
• Knowledge of banking rules and regulations, in addition to knowledge of bank products and services.

SKILLS AND QUALIFICATIONS

• Experience with Windows operating systems.
• Experience with MS Office software and bank financial analysis software.
• Organized, effective time management, and self-directed team player.
• Excellent verbal and written communication skills.

• Advanced understanding of Commercial Banking products and services.

• Excellent relationship building skills and strong, well developed interpersonal skills to maximize business contacts and develop a working relationship with existing and potential clients.
• High level of analytical skills to conduct loan analysis and monitor loan progress with consideration of market trends, economic conditions and other pertinent factors.
• Strong sales skills with proven success in meeting and/or exceeding sales goals.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

• Prospect, develop, and manage banking relationships by understanding customer needs, assessing financial information and finding workable solutions within the bank’s policies and philosophies.
• Negotiate credit items including overall terms, repayment methods, and collateral requirements.

• Administer a portfolio of commercial loans by preparing loans that meet credit quality, profitability, growth and service requirements as determined by portfolio yield, loss ratio, delinquency rate and other measures to achieve profit and growth objectives.
• Prepare commercial loans for presentation in compliance with bank regulations; present loans that are above the teammate's lending limit to the loan committee or officer with higher lending limits in a manner which facilitates complete understanding of all elements of the loan to ensure compliance with regulations and enhance the ability to make sound credit decisions.
• Ensure that loans are properly documented in accordance with approval terms.

• Conduct annual reviews of commercial relationships to monitor overall credit quality.

• Work with Treasury Management and other areas of the bank to actively cross-sell Two Rivers Bank & Trust products and services.
• Promote the Bank’s image in the community by participating in community activities, coordinating community development efforts, and promoting involvement and participation in community service organizations to present a favorable image in the community and establish contacts that could generate new business.

SCHEDULE/TRAVEL/STATUS

• Exempt
• In-Office (Not Remote)
• Infrequent Travel

NOTICE

This job description is meant to describe the general nature and level of work being performed; it is not intended to be construed as an exhaustive list of all responsibilities, duties and other skills required for the position. Two Rivers reserves the right at any time with or without notice to alter or change job responsibilities, reassign or transfer job position or assign additional job responsibilities, subject to applicable law. Two Rivers shall provide reasonable accommodations of known disabilities to enable a qualified applicant or employee to apply for employment, perform the essential functions of the job, or enjoy the benefits and privileges of employment as required by the law.