Finance Jobs in Iowa

We are seeking a Commercial Loan Officer responsible for developing, managing, and growing a commercial loan portfolio while maintaining strong asset quality and member relationships. This position will originate, underwrite, and service business loans, as well as identify opportunities to align members with additional financial products and services. The role requires a high level of analytical ability, sound judgment, and a commitment to regulatory compliance and organizational policy. Previous experience in this role is desired, but we are willing to consider individuals with related experience in lending or underwriting and a proven track record of professional growth. Key Responsibilities: - Develop and maintain relationships with new and existing business members - Originate, underwrite, and manage commercial loan requests - Structure loan terms, including collateral and repayment conditions - Ensure compliance with all lending policies and regulatory requirements - Monitor portfolio performance and maintain accurate documentation - Identify and cross-sell appropriate financial products and services Compensation: $65,000 - $95,000 annually, plus incentive opportunities Qualified candidates should demonstrate strong financial analysis skills, business development ability, and experience in commercial lending. Requirements To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Bachelor's degree (B.A.) or achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree. A Commercial Loan Officer will have a minimum of 3 to 5 years' relevant experience. On-going education and training may be required. Salary Description $65,000 - $95,000 annually, plus incentive

Member Service Officer 1 (MSO 1) Department: Member Services Reports To: Branch Manager FLSA Exempt: Non-Exempt Date last updated : 04/01/2024 Summary Provide information and support via various means (i.e. phone, internet, email etc.) to lending partners and members regarding the credit union its products and services while ensuring the highest quality service. Examine, evaluate and make decisions on member and non-member loan applications for consumer loans. Essential Duties and Responsibilities include the following. Other duties may be assigned. Interview and evaluate the needs of members and potential members, identify appropriate member needs and cross-sell financial products that meet those needs. Serve membership by providing information and account service in a pleasant, professional and efficient manner. Open/close accounts, process stop payments, order cards, answer questions regarding deposit accounts, loan accounts, plastic cards, remote access etc. Ensure complete and accurate documentation for loans and new accounts by gathering information and resolving uncertainties through inquiries with creditors, and/or members according to the credit union policy. Analyze and evaluate applicant's financial status by reviewing credit information, determining debt to income ratios, estimating payments, determining collateral requirements and establish collateral values, co-signer requirements and membership eligibility as defined by the policy. Possess general product knowledge relating to mortgage, home equity, and business loans for referral purposes. Complete outbound calls (2-2-2) to members, partner follow-up and other types of calls as requested by management. Assist other departments as necessary (i.e. collections, accounting, etc.) File claims for GAP, GAP Advantage, ADR and Debt Protection. Be well versed regarding credit union policies and procedures. Advise manager of external factors that may affect policy by suggesting policy modifications. Cross train other staff, as requested, on duties, functions, and responsibilities to assure proper back up. Follow proper member identification and security procedures and ensure that member and employee information is kept in the strictest confidence. Receive and payout money and keep records of money and negotiable instruments involved in financial transaction by performing Member Service Associate duties. See Member Service Associate job description for more information. Respond to member inquiries and requests regarding financial services and enter them into applicable computer systems and programs. Approve loans within specified limits OR refer to a manager with recommendations to obtain approval. Oversee timely loan closing and funding activities. Provide ongoing relationship servicing with current members to maintain goodwill and gain additional business. Assist members with problem resolution and account reconciliation. Responsible for Safe Deposit box transactions Execute, key, and verify wire transfers. Supervisory Responsibilities This job has no supervisory responsibilities. Competencies To perform the job successfully, an individual should demonstrate the following competencies: Credibility - Provides reliable and accurate information, offers fully researched recommendations, instills customer confidence, supports organizational values and policies, takes responsibility for own actions and mistakes. Job Knowledge/Job Fit - Competent in required job skills and knowledge, exhibits ability to learn and apply new skills, keeps abreast of current developments, requires minimal supervision, Displays understanding of how job relates to others, Uses resources effectively. Conflict Resolution - Encourages open communications, Confronts difficult situations. Maintains objectivity. Keeps emotions under control. Uses negations skills to resolve conflicts. Cooperation - Establishes and maintains effective relations, exhibits tact and consideration, displays positive outlook and pleasant manner, offers assistance and support to co-workers, Works cooperatively in group situations, Works actively to resolve conflicts. Quality - Demonstrates accuracy and thoroughness, displays commitment to excellence, looks for ways to improve and promote quality, applies feedback to improve performance and Monitors own work to ensure quality. Planning/Organization - Prioritizes and plans work activities. Uses time efficiently. Plans for additional resources. Integrates changes smoothly. Sets goals and objectives. Works in an organized manner. Sales and Service (INSPIRE SALES and SERVICE) - Displays courtesy and sensitivity, manages difficult/emotional member situations, meets commitments, focuses on & responds promptly to member needs, solicits member feedback to improve service, explains financial concepts clearly, explains product features & benefits, recommends products to members, and overcomes objections. Problem Solving - Identifies problems in a timely manner. Gathers and analyzes information skillfully. Develops alternative solutions. Resolves problems in early states. Works well in group problem solving situations. Requirements Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience: High school diploma or general education degree (GED); or six to twelve months related experience and/or training; or equivalent combination of education and experience previous financial industry experience preferred. Language Skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the public. Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions and percentages. Ability to apply concepts of basic algebra and 10 key. Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Ability to research data and make accurate decisions. Computer Skills: To perform this job successfully, an individual should have knowledge of Contact Management systems; Internet software; Microsoft Excel Spreadsheet software and Microsoft Word Processing software. Certificates, Licenses, Registrations: Must complete ongoing sales & service training. Other Skills and Abilities: Must have the ability to make sound, confident decisions. Must possess proven sales skills. Must be able to read and understand credit reports. Other Qualifications: A MSO1 will be required to complete a pre-determined list of functions and training (see MSO 1 Training Plan in Performance Pro Forms) within 18-24 months of their hire date. A MSO1 will also be required to shadow and cross train in the service center for at least 80 hours during (or prior to) their training period as well as two hours in both the Accounting and Collections departments. Once a MSO1 has completed all the requirements of the MSO1 Training Plan, they may be promoted to a MSO2 at the supervising manager(s) discretion. Physical Demands and Work Environment: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to stand, walk, sit; use hands to finger, handle, or feel and reach with hands and arms; and talk or hear. The employee is frequently required to climb or balance and stoop, kneel, crouch, or crawl. For employees who are assigned to a retail branch, the employee may be required to regularly stand and the availability to sit for any length of time may be limited. The employee is occasionally required to taste or smell. The employee must frequently lift and/or move up to 50 pounds and occasionally lift and/or move up to 100 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. The employee regularly works near moving mechanical parts. The noise level in the work environment is usually moderate. Salary Description $20-$30/hr., plus incentives

GreenState Credit Union Mortgage Loan Specialist US-IA-Davenport Job ID: # of Openings: 1 Category: Mortgage Lending GreenState Credit Union Overview Creates, collects, analyzes, exercises judgment, and advises members on mortgage loan options. Maintains organization of portfolio and meets necessary and regulatory deadlines. Assists and serves as a backup to the Mortgage Loan Officer & Processing area in all aspects of the mortgage origination process. GREENSTATE CULTURE: At GreenState, our purpose is to create lasting value for our members, our communities, and one another. We empower our teams to create opportunities that strengthen financial well-being, transform lives, and enhance the vitality of the communities we serve. We know our success-now and in the future-is deeply rooted in fostering an engaging, diverse, and inclusive workplace where everyone knows they matter, their work makes an impact, and their everyday commitment to living our values is what brings our mission to life. Pay range for this hourly position is $38.06 - $44.50/hr with a progressive benefits package. Responsibilities Performs essential duties and responsibilities in the following areas which may include but are not limited to those listed and are subject to change. - Adheres to the Credit Union's core values and Service Standards in conducting GreenState's mission and vision. - Demonstrates a positive member service (internal and external) focus at all times. - Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities. - Ensures confidentiality of member information. - Supports a diverse and inclusive work environment. - Explains the mortgage loan application process and products to the membership, assisting Mortgage Loan officer with completing full loan application as needed. - Interacts with member by phone, email or in person at the branch location to answer inquiries pertaining to mortgage rates, mortgage programs, payments, daily rates, points, etc. - Conducts mortgage loan application interviews assisting applicants in the completion of application via phone, email or face to face in branch setting. - Gathers all required applicant information. - Assists loan processing with files when needed. - Fields and returns phone calls and emails for Mortgage Loan Officers. - Follows up with referrals, schedules the initial appointment and answers any questions the member may have regarding their loan as well as group sales calls. Schedules the closing appointment with all necessary parties. - Orders appraisal and credit report to support the loan application and ensure complete documentation of the loan file. Sends out Loan Disclosures as needed. - Organizes file in appropriate order as indicated by the checklist and submits application to processing team. - Works with Underwriters in meeting their guidelines and obtaining loan approval. - Ensures all necessary documentation and regulatory compliance items are in loan files. - Promotes GreenState mortgage products and GreenState with their contacts in the community. This includes in person or phone conversations as well as group sales calls. - Works with mortgage processing department when necessary to ensure final documentation is received by the investors in a timely manner. - Assists with facilitating loan closings onsite at the branch with the Mortgage Loan Officer, organizes files after loan closing to be sent to processing team to upload to secondary market investor or to the servicing department and ensures that documents are signed and completed correctly. - Organizes weekly follow up on loans in process to increase conversion percentage. - Prepares web applications for Mortgage Loan Officer to review and schedules the member's initial appointment with the Mortgage Loan Officer. - Serves as back up to Mortgage Loan Officer when they are out of the office either during expected or unexpected absences. This includes but is not limited to taking the initial application for the member, choosing the loan scenario and loan program that best suits the member and the institution, locking the loan with the correct investor, requesting correct documentation, and sending all initial disclosures. Must maintain high level of compliance in all listed job duties. - Assists to ensure that the various federal reporting documents are delivered in a timely manner, to include the borrowers 1098, sellers 1099, interest reported to the IRS, and the HMDA report. - Assists in any necessary training and development needed within the GreenState Mortgage Department. - Adheres to all state, federal and credit union regulations, policies, and guidelines. Qualifications - High school diploma or equivalent (i.e.: GED) with a minimum of three years previous related work experience. - Knowledge of procedures, forms, secondary market guidelines and regulations as they relate to mortgage lending. - Knowledge and procedures of Real Estate purchasing and refinancing Reports to work punctually, works all scheduled hours, and works additional hours as necessitated by business demand. During periods of peak demand, job will require a non-traditional work week with extra hours including evening and/or weekend duties. - Ability to prioritize assignments and organize work efficiently, to manage large volumes of details. - Interpersonal skills to represent the credit union in a positive way during member contact. - Accuracy and attention to detail required. - Ability to operate related computer applications. - Ability to collaborate with Realtors and other referral sources on initial and follow up conversations regarding the initial application and general mortgage questions. - Ability to deal tactfully and efficiently with members and co-workers on a professional level. - Must be bondable. - Must be a registered pursuant to requirements of the S.A.F.E. Act. Reporting Relationship This position reports to the Manager Mortgage Associates. Supervisory Responsibilities This position is not responsible for the supervision of others. Equal Opportunity Employment Statement GreenState Credit Union is an EEO/AA Employer. We strongly encourage all individuals to apply for openings with the credit union. PId7f59a3bbfbd-7576