Job Posting OPEN
Commercial Lending Officer II
Location: Clive, IA
Work Arrangement: On-Site
Reports To: Executive Vice President – Chief Lending Officer
FLSA Status: Exempt
Employment Status: Full-Time
About Iowa Trust
& Savings Bank
Iowa Trust & Savings Bank is a community-focused financial
institution committed to building lasting relationships through exceptional
service, sound financial stewardship, and local decision-making. We proudly
serve individuals, businesses, agricultural producers, and communities across
Iowa while fostering a culture of integrity, teamwork, accountability, and
continuous improvement.
Position Summary
The
position of Commercial Lending Officer II is responsible
for generating, maintaining, and expanding a quality commercial loan portfolio
that contributes to the Bank’s profitability and growth objectives. The officer
retains a comprehensive knowledge of the bank’s products and services to assist
prospective and existing customers achieve strategies and goals. Provide effective leadership through superior
communication, organizational and situational management skills. Participates
in bank committees and consistently applies the Vision, Mission and Values of
the organization.
Essential Functions
·
Responsible
for timely and complete evaluation of the customers’ credit worthiness.
Utilizes underwriting procedures aligned with bank policies and procedures
including risk analysis, collateral requirements, structure, pricing, loan
presentation, loan documentation, and banking regulations.
·
Exercises
sound judgement and discretion in making quality loan decisions in accordance
with bank policies, procedures, and regulatory requirements.
·
Communicates
effectively with customers by disclosing terms and conditions of loans and
deposits; provides guidance and clarity ensuring understanding by the customer.
·
Applies
established procedures for disbursing loans proceed over the life of the
development or construction loans.
Ensure that equity injections are tracked and received.
·
Performs
on-site collateral audits for existing and prospective customers and prepares
written audit findings and recommendations.
·
Facilitates
compliance with required loan covenants to ensure financial risk is properly
managed, administers delinquent loans, and participates in loan committees.
·
Responsible
for creating, maintaining, and growing a quality commercial loan portfolio.
·
Accountable
for sales, revenue, and income goals as designated by the Chief Lending
Officer. Completes periodic reports that monitor, measure and review
performance to targeted goals.
·
Executes
strategic initiatives and objectives as directed by executive management.
·
Communicates
proactively with loan support staff to ensure loan related tasks are completed
according to established procedures and deadlines.
·
Maintains
strong customer relationships through onsite visits and frequent communication.
·
Monitors
and facilitates the maintenance of delinquent accounts, loans, and exceptions.
·
Contributes
to a positive team environment by working with other department team members
and bank personnel.
·
Seeks
to improve the Bank’s strategic and operational performance by actively
participating in continuing education, professional development, and financial
meetings.
·
Build
new relationships by networking with potential customers and community business
leaders through participation in community organizations and events; Serves as
a bank representative in professional, business, and community organizations.
·
Assures
compliance with all Bank policies and procedures, as well as all applicable
state and federal banking regulations.
·
Diligently
protects and appropriately manages confidential and sensitive information.
·
Demonstrates
knowledge of, and adherence to, equal employment opportunity. Shows respect and
sensitivity for cultural differences and promotes a working environment free of
harassment of any type.
·
Performs
other job-related duties as assigned.
Supervisory Responsibilities
This position does not have supervisory responsibilities.
Required Qualifications
Education
·
Bachelor’s
or master’s degree; or six or more years of related experience and/or training,
including professional certification designation(s); or the equivalent
combination of education and experience. Work related experience should consist
of an in-depth background in finance. Educational experience, through in-house
training sessions, formal school, or related curriculum, should be applicable
to this position.
Experience
·
Demonstrates
effective leadership skills, strong organizational and planning skills.
·
Identifies
problems, solves them, acts decisively, and shows good judgment; ability to
systematically consider relative costs and benefits of potential actions;
critically analyze related variables; and logically apply reasoning when
selecting goals and making plans.
·
Demonstrates
outstanding customer service.
·
Demonstrated
use of principles and methods for showing, promoting, and selling products or
services including market strategy and tactics, product demonstration, and
sales techniques.
·
Knowing
the industry, monitors trends, and works to apply knowledge to advance the
organization.
·
Continuously
seeks new knowledge and personal growth.
·
Understanding
financial analysis and determination of credit worthiness; excellent reasoning
and mathematical skills.
·
Proficient
knowledge of banking regulations, policies, procedures, products, and services.
·
Exceptional
oral, written, and interpersonal communication and language skills.
·
Integrity
– thinks and acts ethically and honestly with discretion and confidentiality;
handles all customer and company information in a confidential manner.
·
Proficient
in the use of computers, software, hardware, electronic devices, and their
applications.
·
Complies
with all applicable laws, rules, regulations, policies, and business practices
established by Bank management.
·
Understands
the role of sales and customer service in a community bank and financial
services environment. Respond considerately to the needs and priorities of the
customer (both internal and external); recognize and take appropriate action to
meet their goals.
·
May
require travel among banks locations.
·
Current
driver’s license and a vehicle with appropriate insurance coverage if required
to drive in-the-course-of performing assigned duties and responsibilities.
Knowledge, Skills & Abilities
- Knowledge of consumer,
commercial, and agricultural lending practices preferred.
- Strong attention to detail and
commitment to accuracy.
- Excellent organizational and time
management skills.
- Ability to manage multiple
priorities and meet deadlines.
- Strong written, verbal, and
interpersonal communication skills.
- Proficiency with Microsoft Office
and banking software systems.
- Ability to maintain
confidentiality and exercise sound judgment.
- Strong customer service and
relationship-building skills.
- Ability to work independently
while contributing to a collaborative team environment.
- Willingness to learn new
technologies and adapt to changing business needs.
Core Competencies
- Customer Focus
- Integrity & Ethics
- Accountability
- Teamwork
- Communication
- Adaptability
- Attention to Detail
- Problem Solving
- Continuous Improvement
- Professionalism
- Networking
Physical
Requirements
Reasonable accommodation may be made to enable qualified individuals with
disabilities to perform the essential functions of this position.
- Prolonged periods of sitting
while working at a computer.
- Frequent use of computers,
telephones, and other office equipment.
- Ability to communicate
effectively in person, by telephone, and electronically.
- Occasionally lift or move up to
20 pounds.
- Ability to reach, bend, and
perform routine office tasks.
Work Environment
- Professional office environment.
- Frequent interaction with
employees, customers, and third-party vendors.
- Moderate noise levels are typical
of an office setting.
- Minimal travel may be required
for training or business needs.
Equal Employment
Opportunity
Iowa Trust & Savings Bank is an
Equal Opportunity Employer. Employment decisions are made without regard to
race, color, religion, sex, pregnancy, sexual orientation, gender identity,
national origin, age, disability, genetic information, veteran status, or any
other protected characteristic under applicable federal, state, or local law.
At-Will Employment
Nothing contained in this job description creates an employment contract
or alters the at-will employment relationship. Employment with Iowa Trust &
Savings Bank may be terminated by either the employee or the Bank at any time,
with or without cause or notice, subject to applicable law.
Disclaimer
This job description is intended to
describe the general nature and level of work performed by employees assigned
to this position. It is not intended to be an exhaustive list of all duties,
responsibilities, or qualifications. Iowa Trust & Savings Bank reserves the
right to modify this job description at any time to meet business needs.