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

This position is responsible for managing and developing Bank customer account relationships for borrowers. This position is responsible for developing and maintaining banking relationships by forming in person evaluation of the customer and assessing financial information and compatibility of banking needs within the Bank’s policies and philosophies.

EDUCATION AND WORK EXPERIENCE

• Four-year degree in business, economics, or finance or comparable banking degree or comparable years of similar work experience.
• Two or more years of lending or comparable work experience preferred.

SKILLS AND QUALIFICATIONS

• Experience with computer operating systems. MS Office software experience.
• Experience with bank or financial analysis software preferred.
• Excellent sales skills.
• Strong attention to detail and focus on quality and accuracy preferred.
• Strong, well-developed communication, customer service and interpersonal skills in order to maximize business contacts and develop a working relationship with existing and potential customers.
• High level of analytical skills to conduct loan analysis and monitor loan’s progress in consideration of the market trends, economic conditions and other pertinent factors.
• Registration under the National Mortgage Licensing System and Registry required.

ESSENTIAL JOB FUNCTIONS/RESPONSIBILITIES

• Provides exceptional customer service to internal and external customers.
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan; approves loans within established lending guidelines.
• Negotiate credit items including costs, repayment methods, and collateral requirements.
• Conduct regular reviews of loan customers in order to monitor credit quality and total outstanding loan balances.
• Monitor loan repayment activity on a regular basis and take necessary action to collect past due accounts. Collect technical exceptions, obtain financial statements and borrowing base if required.
• Manages loan portfolio, to include on-going communication and follow-up with customers.
• Interviews prospective applicants and requests required information related to loan or credit applications; corresponds or re-interviews applicants to resolve questions regarding application information; assures proper loan information is collected to maintain acceptable credit standards and conform to bank policy.
• Coordinates processing of approved loans; ensures loans are processed according to agreements, customer needs, and Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within assigned portfolio.
• Develops new loan business by developing relationships with prospective customers, identifying needs, recommending solutions, and closing sales.
• Follows regulatory requirements by protecting information for privacy and confidentiality, displaying discretion in discussing customer information, obtaining proper information and paperwork to complete transactions, and following bank policies and regulations.
• Call on potential and/or existing customers and introduce customers to other departments or products when a service can be rendered.
• Keep current on regulations and legislation affecting lending.

SCHEDULE/TRAVEL/STATUS

• Full-time, Salaried/Non-exempt
• In-office Position (Not Remote)
• Some Day 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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