Retail Loan Officer

Join to apply for the Retail Loan Officer role at Two Rivers Bank & Trust

Two Rivers Financial Group, Inc., through our wholly-owned subsidiary of Two Rivers Bank & Trust, offers financial solutions encompassing banking and wealth management services with locations in Ankeny, Burlington, Coralville, Des Moines, Keokuk, Mediapolis, Mount Pleasant, West Burlington, West Point and Urbandale, 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!

• 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.
• Experience with bank or financial analysis software is preferred. Proficient in Lending Software or loan documentation software a plus.
• Required NMLS Licensing.
• In addition to the above requirements, loan officers with duties consistent with prohibited activities without licensing/registration under the S.A.F.E Act, must complete the licensing/registration process before performing such prohibited activities. Licensing/registration and compliance requirements are set forth by the Consumer Financial Protection Bureau (CFPB).
• All loan officers who perform prohibited duties/functions must:
• Be registered as applicable under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).
• Be subjected to thorough background checks, which include screening for financial responsibility, criminal records check and any disciplinary actions by regulatory or licensing agencies.

• Strong, well-developed interpersonal skills 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.
• Excellent verbal, written, and interpersonal communication skills.
• Detail oriented with the ability to work well under pressure to meet multiple deadlines.
• Call on potential and/or existing customers and introduce customers to other departments or products when a service can be rendered.
• Team player able to work effectively in a team-fostered, fast-paced environment.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the borrower and the Bank.
• Focus on problem solving skills with solutions-driven results.
• Ability to accurately analyze and interpret numerical data.
• Ability to be flexible and adaptable in a changing environment.
• Good organizational skills with the ability to multitask.

• Negotiate credit items including costs, repayment methods, and collateral requirements.
• Conduct regular review of loan customers 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.
• Keep current on regulations and legislation affecting lending.
• Call on potential and/or existing customers and introduce customers to other departments or products when a service can be rendered.
• Participate with and assist senior loan officers in the servicing and administration of larger loans.
• Actively participates in community events and builds professional relationships with influencers, realtors, community leaders, customers and prospective customers.
• Maintain quality portfolio keeping past dues, document exceptions, classified credits, non-classified credits to a minimum.
• Ability to make loans and service accounts dealing in both small to relatively large, complex loans or those involving greater risk.
• Ability to recognize additional cross-selling opportunities of all lines of TRFG products.
• Compliance with both the letter and spirit of the Bank Secrecy Act (BSA) and the Bank's policies with the procedures relating to the Act. The employee will participate in training regarding BSA at least annually.
• Compliance with both lender and spirit of the laws governing the privacy of consumer information and Bank's Privacy and Procedures.
• Compliance with all applicable banking laws, rules and regulations.

• Non-Exempt
• In-Office (Not Remote)
• Infrequent Travel

• 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…