Commercial Lending Officer II

Iowa Trust; Clive (IA); On-site; USD 70,000 - 105,000; Full time

Job summary

Iowa Trust & Savings Bank is seeking a Commercial Lending Officer II in Clive, IA to manage and grow a robust commercial loan portfolio. You will lead loan analyses, structure transactions, and ensure compliance with banking regulations while delivering excellent service to borrowers.

Role requires strong credit assessment, relationship building, and collaboration with internal teams. On-site position with a focus on driving profitability and adhering to our values and governance standards.

Qualifications

• Bachelor’s or Master’s degree in finance, business, or related field; or equivalent experience.
• Strong leadership, organizational and planning skills.
• Demonstrates knowledge of credit analysis and risk assessment.

Responsibilities

• Evaluate borrowers’ credit worthiness using bank policies and risk analysis.
• Make quality loan decisions with sound judgement and compliance.
• Explain loan terms to customers and ensure understanding.
• Oversee loan disbursement, collateral tracking, and covenants.
• Maintain and grow a quality commercial loan portfolio.
• Collaborate with loan support staff to ensure timely tasks.

Skills

Leadership

Credit analysis

Customer service

Communication

Banking regulations

Sales techniques

Education

Bachelor’s or Master’s degree in finance or business

Tools

Banking software systems

Job description

Equal Employment Opportunity

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.

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