Real Estate Loan Officer

Iowa State Bank is seeking a candidate who is has an understanding of the local community dynamics and existing relationships with local residents and business owners. Candidate responsible for making and servicing loan activity for (consumer or real estate) loans. Assists management in making recommendations to overall loan objective, policies and procedures. Every transaction should be viewed as an opportunity for new business development by making the customer aware of any product or service that may be of benefit to them. In addition to one-on-one contact, customer referrals will be made on an on-going basis as an integral part of the sales process, enabling Iowa State Bank to further develop relationship banking.

ESSENTIAL DUTIES AND RESPONSIBILITIES: Essential duties and responsibilities are intended to describe those functions that are essential to the performance of this position.

• Receive and process all types of loan applications using all available programs to help enhance or guarantee loans processed (FHA, SBA, etc.).
• Collects and analyzes information regarding the customer’s income, assets, investments or debts to determine which financial product best meets their needs.
• Advises the customer in regard to their financial position.
• Minimize past due loans by ensuring safety and soundness through special attention to past due and questionable credits.
• Visit “prospective” clients to develop new business in a development call program.
• Visit existing clients to evaluate collateral and develop long-term relationships.
• Solicit new customers and represent the bank in community activities.
• Cross sell bank products and services and makes referrals to other bank personnel.
• Assist management with research, development and implementation of new products, or special projects and committees.
• May be asked to travel to other branch locations to assist in loan officer duties as needed to ensure adequate coverage.

Other

• Maintains advanced knowledge and awareness of financial and economical industry status and trends.
• Actively upholds the organization’s vision, mission and values, encompassing mutual respect, honoring commitments, working with integrity and accepting responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy, shows respect and sensitivity for cultural differences, promotes working environment free of harassment of any type.
• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.
• Has a strong commitment and dedication to internal and external customer service.
• Accepts other responsibilities as assigned to help embrace ISB’s values.

To perform the job successfully, the following competencies should be demonstrated:

• Customer Service – respond to both internal and external clients by taking ownership of customer issues and placing priority on client follow-up in a timely and courteous way.
• Communication – must be able to communicate thoughts clearly, both orally and written. Must be able to communicate effectively with co-workers and clients. Listens and gets clarification.
• Initiative and Independence – seeks out new tasks and opportunities to expand abilities and solve problems. Ask for and offers help when needed. Demonstrates enthusiasm, independence, and persistence to solve problems.
• Time management – completes work and training according to established timelines. Able to prioritize to make best use of time for high priority tasks.
• Adaptability – Flexible and open to change; sees it as an opportunity.
• Technology systems – Must understand the day-to-day processes for systems as they apply to the job.  
• Teamwork – Exhibits objectivity and openness to other’s views. Gives and welcomes feedback. Contributes to a positive team spirit. Supports everyone’s efforts to succeed. Can be depended on to complete assigned tasks in an accurate and timely manner.
• Professionalism – is punctual in reporting for work. Reports hours worked and time off using current payroll system. Projects a professional image in dress, manner, communication, and focus.
• Organizational Support – Follows policies and Procedures. Completes required training in advance of deadlines. Attends staff and training sessions as required. Supports organization’s goals and values. Respects diversity.
• Safety and Security – Follows opening and closing procedures as detailed in the Security program. Follows bank procedures for safety of bank, co-workers, and clients.

Benefits:

Full time benefits to include:

Health

Dental 

Vision

Employer HSA Contribution

Paid Time Off

Volunteer Time Off

401K with Employer match

Paid STD, LTD

Paid Employee Life Insurance

Parental Leave

Employee Assistance Program