COMPANY OVERVIEW

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

The business banking leader leads a specialized team of business bankers in business development and portfolio management and executes a business banking strategy to meet the Bank’s overall revenue and asset quality objectives.

EDUCATION AND WORK EXPERIENCE

• Bachelor’s degree in finance or related field preferred, or equivalent combination of schooling, training, and work experience.
• 10 years’ experience in commercial lending including commercial credit analysis, relationship management, and commercial lending.
• Previous business development experience.
• 10 years’ experience in supervisory/management role.
• Completion of appropriate lending course work such as those coordinated by the Bank’s trade associations.

SKILLS AND QUALIFICATIONS

• Excellent social and communication skills and use of professional and clear verbal communication skills. High-quality writing skills, using accurate word usage, grammar, spelling, and punctuation in all written correspondence. Use of professional phone etiquette, including tone and volume of voice.
• Ability to multi-task, work in a fast-paced, changing environment, and maintain a commitment to accuracy and timeliness.
• Great attention to detail and accuracy.
• Organized and uses time management skills with an ability to meet deadlines.
• Motivated and self-starter.
• Ability to multi-task, work in a fast-paced, changing environment, and maintain a commitment to accuracy and timeliness.
• Ability to maintain confidentiality.
• Consultative sales aptitude.
• Ability to objectively evaluate team members; identify their strengths and apply them to the appropriate areas; and recognize any needs for improvement.
• Ability to cultivate a process for both preventing and addressing conflict within a department or organization.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

Two Rivers Bank Strategic Objectives/Business Banking Strategy:

• Serves as a Business Banking expert to Senior Leadership and the Board of Directors.
• Maintains a strong understanding of the competitive landscape within Two Rivers’ market areas.
• Develops an annual Business Banking budget that focuses on achieving the desired level of revenues and projecting necessary expenditures while focusing on balancing efficiencies with investment in team members and client relationships.
• Develops and implements policies and procedures to achieve Business Banking tactical and strategic business goals.
• Assists to identify and maintain a prioritized listing of high-impact, cross-functional projects, and assists with the execution of those projects. Projects will focus on areas for process improvement, sales enablement and data flow improvements.
• Responsible for coordinating, organizing, and managing all financial and performance reporting for the Business Banking line of business and provides Executive level reporting and analytics in relation to strategic initiatives and business objectives.
• Assists with M&A due diligence and any subsequent acquisition integration as it relates to Business Banking.

• *Supervisory Responsibilities:

• Oversees a diverse lending group that may consist of Market Presidents, Business Bankers, and Portfolio Managers.
• Provides information and ongoing feedback to department staff regarding expectations and performance.
• Leads consistent team meetings focused on calling activities in addition to pipeline and portfolio management.
• Holds regular one-on-one meetings with team members and attends client calls with team members to provide a high level of support while also observing behaviors to provide applicable feedback.
• Partners with Human Resources to hire the most qualified and talented individuals to fill open positions.
• Partners with Human Resources to address and resolve all team member performance concerns and issues in a timely manner.
• Prepares and conducts team member professional development discussions, KPI reviews, and annual performance reviews in accordance with Human Resources policies, procedures, and guidelines.
• Fosters a collaborative and inclusive work environment.

• *Risk Management:

• Provides oversight on terms and structure for loans presented by team members and strives to ensure any recommended structure meets the Bank's risk appetite, and profit measurements.
• Effectively monitors and helps manage the portfolio quality.
• Monitors all delinquencies and works with business bankers and clients on resolving client performance issues as quickly as possible to protect the Bank.
• Oversee the overall quality of portfolio management of the team, including but not limited to line renewals, maturities, documentation exceptions, and timely, consistent communications with clients to be documented by call reports and review of financial information for accurate, updated risk ratings.
• Recommends modifications to bank lending policies and procedures; ensures that changes to loan policies are adhered to by team members.

• *Business Development and Sales Culture:

• Leads business development efforts to grow commercial relationships, inclusive of all aspects of the banking relationship including lending, deposits, treasury and cash management, and other financial solutions provided by Two Rivers Bank.
• Works closely with other sales leaders and stakeholders to identify opportunities to improve sales effectiveness from development through implementation of existing and new programs.
• Drives optimization, including CRM management, sales training, goal setting, and sales activity tracking.
• Builds targeted insights to assist with the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go-to-market strategies.
• Regularly seeks to improve Bank performance and team performance and makes recommendations for improvements/changes to policy, procedures, and activity levels when the opportunity for improvement is recognized.
• Works closely with other department managers in Information Technology, Marketing, Operations, Finance, and Retail Banking to drive improvement in quality, volume, and profitability.
• Responsible for coordinating, organizing, and managing all performance reporting for the Business Banking line of business.

SCHEDULE/TRAVEL/STATUS

• Exempt
• In-Office/Not Remote
• Intermediate Travel Required

BENEFITS

• Competitive Compensation
• Comprehensive Healthcare
• 401K Retirement Plan
• Employee Stock Ownership Plan
• Life & AD&D Insurance
• Long Term Disability Plan
• Paid Time Off (PTO)
• Paid Holidays
• Paid Volunteer Hours
• Professional Development and Advancement Opportunities
• Employee Assistance Program

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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

Job Type: Full-time

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