Business Banker

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 portfolio and account relationships for commercial borrowers. 

EDUCATION AND WORK EXPERIENCE:

• Four-year degree in business, economics or finance or comparable banking degree or comparable years of similar work experience.
• 4 or more years of lending experience.
• Experience in commercial industrial, commercial real-estate, and SBA lending preferred.
• Portfolio management experience preferred.
• Knowledge of banking rules and regulations as well as bank products and services.

SKILLS AND QUALIFICATIONS:

• Experience with computer operating systems (Windows).
• MS Office software experience preferred.  Experience with bank or financial analysis software preferred.
• Well organized, self-directed, team-player.
• Excellent verbal and written communication skills.
• Excellent relationship-building skills and strong, well developed interpersonal skills in order to maximize business contacts and develop a working relationship with existing and potential customers.
• A high level of analytical skills to conduct loan analysis and monitor the loan’s progress in consideration of the market trends, economic conditions and other pertinent factors.
• Proven prospecting success building a client base.
• Ability to identify opportunities for product and service cross-sales.
• Strong organization skills and effective time management.

ESSENTIAL JOB DUTIES/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.
• Conduct annual reviews of commercial relationships in order to monitor overall credit quality.
• Prepare and present information to Senior Loan Committee where applicable in a clear, accurate and confident manner. Implement committee decisions regarding each loan request.
• Monitor loan repayment activity on a regular basis and take necessary action to collect past due accounts. Manage technical exceptions, obtain financial statements and borrowing base as required.
• Keep current on regulations and legislation affecting lending.
• Proactively seek out and identify opportunities for cross-selling other Bank products and services, including, but not limited to depository and cash management. 

SCHEDULE/TRAVEL/STATUS:

• Exempt
• Infrequent Travel
• In-Branch Position 

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. 

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