Business Banker

Two Rivers Bank & Trust • Des Moines, IA

188d

About The Position

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.

Requirements

• 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.
• 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.

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree
• Number of Employees: 51-100 employees