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About Us

First American Bank is a privately owned financial services organization providing cutting edge banking solutions. We are proud to serve numerous communities across Iowa, and in Lee and Collier counties in southwest Florida.

We focus on being the trusted advisor for our clients, building relationships and providing exceptional service. Our financial services meet every need be it simple or sophisticated. The bank provides the capacity and expertise individuals and businesses of all sizes need to thrive, from online banking and bill pay to commercial lending and treasury management services to concierge banking.

First American Bank also offers clients a broad array of service from First American Wealth Management Group and First American Bank Home Mortgage, including financial consulting, investment management, employee benefits, trust, mortgage origination, and property/casualty insurance services.

Stark Bank Group, Ltd. is the holding company for First American Bank and controls assets of approximately $1.7 billion. We are proud to be considered a healthy and sound bank, strengthening the communities in which we operate even during challenging times. Our Mission Statement is Helping People Succeed.

 


Our Story

Founded during the Great Depression, First American Bank has a proven history of flourishing even during economic adversity. In 2009, the bank celebrated 75 years helping their customers succeed.

First American Bank was chartered in Fort Dodge, Iowa, in 1934, and served the needs of that community for some 65 years before embarking on considerable growth to serve many other Iowa communities statewide.

In 2005, the bank purchased Pelican National Bank of Naples, Florida. Today, First American Bank operates from three southwest Florida communities in Lee and Collier counties: Naples, Ft. Myers and Cape Coral.

A new Naples facility opened in February 2009 at the intersection of Pine Ridge and Livingston. Pine Ridge now serves as First American Bank’s Florida headquarters.

First American Bank commercial and small business banking services are delivered by bankers with the experience to understand our clients’ business plans and personal banking needs. Decisions are made locally, with a sense of urgency that matches the mindset of the many business owners we serve.

We are proud to be able to offer the in-depth resources of larger regional and national banks, yet deliver our services through a statewide network of community banks that are in a position to recognize our customers on a personal basis. This ability to personally know our customer is a key element to the customer service we are determined to provide.

Increasingly, this recognition is also integral to the security of our customers. When we recognize by face — and usually by name — those who bank with us regularly, we are more likely to know banking patterns and can recognize when “things aren’t quite right”. This helps us not only provide wow service, but allows us to protect our customers from many scams.

Media Center

Media Inquiries:

     Corporate Marketing
     Ph 515-440-6960
     marketing@bankfirstamerican.com

Corporate Overview 

 

Press Releases
DateTitle
Dec 20, 2013 First American Bank Supports Grant for New Homes

Careers

Is a Career at First American Bank Your Perfect Fit?

First American Bank is a premier privately-owned community bank with the vision to be the financial services provider of choice in the markets we serve. Owners of businesses large and small appreciate dealing with our banking professionals who understand their business plans and are ready to provide solutions, direction, and answers. Equally important, our customers value the unparalleled high touch service our employees provide across the board.

First American Bank also has the vision to be the employer of choice. 
High caliber personnel are attracted to our environment.  If you’re looking for an organization that empowers employees to make decisions, and If you value the flexibility of a privately-owned operation with a can-do approach, you may have found your company.

We can give our customers what they need, because we hire only the best. 
You will excel at First American Bank if you are customer-oriented…if you wish to continue learning, growing, and improving…and if you value being involved in an organization where you can make a difference.

If this sounds like what you’ve been looking for, please take a moment to explore the opportunities we have available:

First American Bank is an equal opportunity employer. We do not discriminate unlawfully on the basis of race, color, religion, gender, age, national origin, sexual orientation, gender identity, disability, status as a Vietnam era or special disabled veteran, or other protected class in our hiring, training, educational assistance, promotion, transfer, compensation, benefits, and other employment actions. 

 

Position  Location
Administrative Associate - Private Wealth Management

Clive, IA 

Client Support Representative II

Clive, IA

Credit Analyst II

Clive, IA

 

Financial Services Representative (Teller)

Ames, IA (part-time)

Ankeny, IA (part-time)

Beaverdale, IA (part-time)

Des Moines, IA (part-time)

Des Moines, IA - Float (full-time)

Fort Myers, FL (part-time)

Sioux City, IA  (part-time)

Waukee, IA (part-time)

Financial Services Supervisor

Ames, IA

Human Resources Generalist

Ames, IA

Lead Financial Services Representative

Naples, FL

Mortgage Loan Originator

Iowa & Florida Markets

Network Specialist

Clive, IA 

Personal Banking Rep I/Financial Services Rep

Fort Myers, FL

Personal Banking Representative I

Cape Coral, FL  

Personal Banking Representative II

Ames, IA

Clive, IA

Private Wealth Advisor

Clive, IA

Naples, FL

Senior Credit Analyst

Clive, IA

Senior Vice President, Commercial Banker

Clive, IA

Vice President, Agricultural Banker

Ames, IA

Vice President, Senior Private Banking Officer

Sioux City, IA

  

Administrative Associate - Private Wealth Management

Community Banking - Full-time

Essential Duties and Responsibilities include the following. Other duties may be assigned:

  • Coordinates activities with the Wealth Advisors, Trust Officers and Administrators relative to managing client relationships including creating and administering investment management accounts, IRA accounts, personal trust accounts, insurance policies, brokerage accounts in accordance with the terms of the relationship.
  • Open accounts, close accounts and handle other service needs in the administration of the account. 
  • Prepare asset transfer instructions and secure appropriate supporting documentation. 
  • Monitors cash and asset movement. 
  • Reviews and  pays  client bills, monitors ticklers and completes task as directed by the tickler.
  • Establishes and monitors account fees for accuracy.
  • Supports Private Client Administrators in administration services for Trusts, Investment Management Agency (IMA), Employee Benefit Accounts, IRA accounts, Insurance policies and  brokerage accounts, including annual account reviews.
  • Supports Private Wealth Advisor: Quarterly updates for summary of assets; Quarterly performance report distribution; Prepare proposals; Prepare quarterly client review presentations.
  • Handles disbursement of funds according to requests by the principal of the account or terms of trust.
  • Supports Private Wealth Management Sales and Trust  Officers in the internal administration of accounts in order to ensure timely and accurate financial and regulatory reporting as required by account type.
  • Organizes and maintains the account filing system and ensures accuracy for compliance exams and audits.
  • Answers phones and provides phone backup for department officials.
  • Supports Non Deposit business line.

Education/ExperienceBachelor's degree (B. A.) from four-year college or university; or four to six years related experience and/or training; or equivalent combination of education and experience. Trust administration or brokerage industry experience useful.



 Client Support Representative II

 Client Support - Full-time

Essential Duties and Responsibilities include the following. Other duties may be assigned:

  • Coordinates activities with the Wealth Advisors, Trust Officers and Administrators relative to managing client relationships including creating and administering investment management accounts, IRA accounts, personal trust accounts, insurance policies, brokerage accounts in accordance with the terms of the relationship.
  • Open accounts, close accounts and handle other service needs in the administration of the account.
  • Prepare asset transfer instructions and secure appropriate supporting documentation.
  • Monitors cash and asset movement.
  • Reviews and  pays  client bills, monitors ticklers and completes task as directed by the tickler.
  • Establishes and monitors account fees for accuracy.
  • Supports Private Client Administrators in administration services for Trusts, Investment Management Agency (IMA), Employee Benefit Accounts, IRA accounts, Insurance policies and  brokerage accounts, including annual account reviews.
  • Supports Private Wealth Advisor: Quarterly updates for summary of assets; Quarterly performance report distribution; Prepare proposals; Prepare quarterly client review presentations.
  • Handles disbursement of funds according to requests by the principal of the account or terms of trust.
  • Supports Private Wealth Management Sales and Trust  Officers in the internal administration of accounts in order to ensure timely and accurate financial and regulatory reporting as required by account type.
  • Organizes and maintains the account filing system and ensures accuracy for compliance exams and audits.
  • Answers phones and provides phone backup for department officials.
  • Supports Non Deposit business line.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; or four to six years related experience and/or training; or equivalent combination of education and experience. Trust administration or brokerage industry experience useful.

 

Credit Analyst II

Commercial Underwriting – Full-time

Demonstrates proficiency in the analysis of credit data to estimate the degree of risk involved in extending credit or lending money to firms or individuals and the ability to support department management functions by performing the following duties.


Essential Duties and Responsibilities include the following. Other duties may be assigned:

  • Spreads and analyzes financial statements supplied by customers and potential customers – sources of financial statements include accountant prepared financials, corporate tax returns, company prepared financials, personal financial statements and/or personal tax returns;
  • Prepares loan applications, credit modifications, and loan extensions for commercial relationships with aggregate exposure greater than $150,000.  Preparation of loan applications includes obtaining/analyzing all necessary financial data using specialized commercial credit analysis software, compliance review with the bank’s lending policy, previously approved terms, conditions and documentation standards, loan covenants, an assessment of the customer/potential customers risk profile and an estimate of the relative profitability of the relationship.
  • Interacts with relationship managers in developing credit requests to be presented to loan committee and/or final approval.  Communication may include the recommendation of terms and conditions, identification of items that warrant additional information or analysis with the potential customer, and/or the determination if the request is an acceptable credit risk. 
  • Researches economic trends, industry analysis, regulatory requirements, business and trade publications which could impact credit risk and or the probable success of current and potential customers.
  • Represents the credit department at bank loan committee meetings by answering questions regarding the analysis of individual credits, modify credit packages to represent the committee’s final approval, and communicates senior management’s comments and requests of the commercial underwriting department to other staff members.  
  • Accompanies account officers on customer calls as needed.  

Education/Experience:  A four-year degree from a college or university in accounting, finance or business with strong financial analysis, computer and communication skills, plus two years commercial underwriting experience; or equivalent combination of education and experience.  Proficiency is required in the following areas:

  • Spreading all types and complexities of financial statements, including audits, reviews, compilations, company prepared statements, personal and business tax returns and personal financial statements.
  • Measuring covenants put in place within loan agreements, understanding the effect and purpose of those loan covenants and have the ability to communicate the compliance of the borrowers to the relationship manager and Chief Credit Officer, as needed.
  • Completing annual reviews, modifications, extensions, renewals and new loan requests for customers with less complex ownership and financial reporting without many required changes from the approvers. Should be able to analyze more complex credits with assistance from Sr. department staff.
  • Recommending covenants, terms and conditions, and structure that may be appropriate given their experience with other comparable credits.
  • Identifying policy exceptions within a loan narrative.
  • Discussing risk rating with the relationship managers and explaining the rationale for the calculation with the RM and approvers.



Financial Services Representative (Teller)

Community Banking - Full-time & Part-time

Receives and pays out money, and keeps records of money and negotiable instruments involved in financial transactions by performing the following duties.


Essential Duties and Responsibilities include the following. Other duties may be assigned:

  • Seek to exceed customer service expectations.
  • Receives checks and cash for deposit, verifies amount, and examines checks for endorsements.
  • Cashes checks and pays out money after verification of signatures and customer balances. 
  • Enters customers' transactions into computer to record transactions, and issues computer generated receipts. 
  • Places holds on accounts for uncollected funds. 
  • Orders daily supply of cash, and counts incoming cash. 
  • Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen. 
  • Explains, promotes, or sells products or services such as travelers checks, savings bonds, money orders, and cashier's checks. 
  • Opens new accounts. 
  • Removes deposits from, and counts and balances cash in, automated teller machines and night depository. 
  • Accepts loan payments.

Education/Experience:  High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience.

 

Financial Services Supervisor

Community Banking – Full-time

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Oversees teller operational functions and staff. 
  • Maintains records for all cash account balances. 
  • Recommends discipline, hiring, promotions, transfers and terminations of all assigned staff.
  • Ensures proper approvals are received in advance.
  • Conducts performance evaluations and develops performance plans for all assigned staff. 
  • Responsible for the appropriate on-the-job training and development of assigned staff to ensure continuity and performance with bank procedures. 
  • Conducts regular staff meetings to review problems, policies, procedures and updates of teller and bank activities within the bank. 
  • Develops, implements and maintains policies and procedures as they relate to assigned responsibilities. 
  • Develops and implements goals for assigned areas. 
  • Ensures compliance to governing regulations and bank policies and procedures (written, oral and/or prudent). 
  • Accurately completes management and regulatory reports as required and/or requested. 
  • Assists with regulatory, CPA and internal audits and examinations. Ensures they are completed with little or no criticism. 
  • Analyzes and evaluates systems, job descriptions and people. 
  • Provides for the effective planning and coordination of activity and future needs of assigned areas of responsibility. 
  • Coordinates and blends the functions, policies and procedures of assigned areas with the other departments of the bank. 
  • Backs up Personal Bankers and Tellers by opening accounts, accepting loan payments, performing account maintenance, etc. 
  • Manages the Financial Services Department functions and staff, ensuring the efficient utilization of personnel, equipment and space. 
  • Coordinates the work flow and work schedules of all assigned areas.

Education/Experience:  Associate’s degree (A. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.



Human Resources Generalist

Human Resources – Full-time

Essential Duties and Responsibilities include the following.  Other duties may be assigned: 

  • Performs Human Resources related duties, primarily in the area of staffing/recruiting, and may carry out responsibilities in some or all of the following functional areas:  employee relations, training, affirmative action, payroll, and performance management.  
  • Provides guidance to managers throughout the hiring process to ensure they have the tools and resources they need to conduct effective interviews and to make informed selection decisions.
  • Responsible for developing sources of qualified applicants, coordinates testing, conducts reference and background checking, and works with managers to evaluate applicant qualifications.
  • Develops and maintains contacts with educational institutions, professional organizations, employment agencies, and other sources of applicants.
  • Administers internal job posting and employee referral programs.  
  • Maintains application database and shares qualified applications with hiring managers.  
  • Logs all applicant flow data and compiles information for affirmative action reporting.
  • Coordinates affirmative action and equal employment opportunity tracking and reporting processes.
  • Prepares and maintains job file information. 
  • Presents human resources information at new employee orientation, Select for Success, and other employee programs. 
  • Answers inquiries from inside and outside the organization on staffing issues.  
  • Enters HR and payroll data into the Human Resources information system and compiles reports from database as needed.  
  • Serves as the primary back-up to the payroll function. 
  • Processes job status changes in a timely manner. 
  • Provides guidance and input to assigned managers throughout the annual performance review process. 
  • Conducts exit interviews with terminating employees. 
  • Accurately completes management and regulatory reports as required and/or requested.  This includes, but is not limited to, organizational charts, HR newsletters, FTE, Affirmative Action, EEO-1, and Vets-100 reports.
  • Assists with regulatory and internal audits and examinations of department functions as required.  
  • Under the direction of the VP/Human Capital, works with management on resolution of employee relations issues.
  • Completes special projects as assigned, to include the strategic plan initiatives.

Education/Experience:  Associate’s degree (A. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and   experience.

 

Lead Financial Services Representative

Community Banking – Full-time

Works in coordination with the Operations Manager to oversee teller operations.  Maintains records for all cash account balances.

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Responsible for the appropriate on-the-job training of assigned staff to ensure continuity and performance with bank procedures.
  • Ensures compliance to governing regulations and bank policies and procedures.
  • Assists with regulatory, CPA, and internal audits and examinations. 
  • Coordinates and blend the functions, policies, and procedures of assigned areas with the other departments of the bank.
  • Adjusts customer complaints.
  • Balances the vault on a daily basis and maintains cash limits set by the Board of Directors and as stated in insurance policy statements.
  • Provides for dual control of the vault fund – executes accurate general ledger entries and tickets, records vault entries in the vault ledger, and verifies the vault cash count. 
  • Monitors the night depository agreements and processing.  Prepares new and night depository customer agreements.
  • Maintains teller platform system as necessary.
  • Consolidates and balances daily transactions.
  • Allows customers access to safe deposit boxes, following specified procedures.
  • Monitors and reviews financial institution's security procedures and control access to vault.
  • Performs all functions of a universal teller.
  • Oversee records retention for teller operations.
  • Oversee supplies for the teller department.
  • Ensure all teller stations are adequately stocked and ready for subsequent shifts, weekend shifts, or closing. 
  • Work with manager to ensure teller stations are adequately staffed.
  • Assist and relieve all teller job positions as necessary.
  • Study and standardize procedures to improve efficiency.
  • Maintain harmony among workers. 
  • Oversee the ATM reconciliation process.

Education/Experience:  Associate's degree (A. A.) or equivalent from two-year college or technical school; or six months to one year related experience and/or training; or equivalent combination of education and experience.



Mortgage Loan Originator

Home Mortgage Department – Full-time

Originates or denies mortgage loans by performing the following duties. 

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards.
  • Evaluates acceptability of loan to investors that buy real estate loans on secondary mortgage markets and ensures it meets product requirements.
  • Determines terms and acceptability of risk of prospective business. 
  • Exemplifies outstanding sales ability. 
  • Sets prices for prospective mortgage loan applicants. 
  • Communicates loan status or requests additional information from customer. 
  • Closes loan with customer and forwards all documentation to centralized loan processing. 
  • Understands and follows Fair Credit, Regulation Z, ECOA, HUMDA regulations.
  • Maintains database on new and existing business. 

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. 

 

Network Specialist

Technology – Full-time

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Provides network support to operational computer networks.
  • Address hardware and software problems including routers. 
  • Coordinate installation of new equipment and software. 
  • Work with a team on documentation, procedures, and training. 
  • Coordinate the updating of pc software releases and document changes to procedures for each version. 
  • Assist with Help Desk calls as necessary. 
  • Assembles and configures network components and associated services. 
  • Performs network troubleshooting to isolate and diagnose common network problems. 
  • Installs, upgrades and configures network printing, directory structures, rights, security, software and files services. 
  • Installs and tests necessary software and hardware.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; or two years related experience to include completion of technical training or education.

 

Personal Banking Representative I/Financial Services Representative

Community Banking – Full-time

This position provides personalized banking services to financial institution customers. Receives and pays out money, and keeps records of money and negotiable instruments involved in financial transactions by performing the following duties.


Essential Duties and Responsibilities include the following.  Other duties may be assigned: 

Personal Banker I

  • Evaluates needs of potential customers and offers appropriate financial products and services.
  • Prepares and compiles new customer application and information to open new accounts and IRAs.
  • Ensures completeness of loan documentation on new account set-up.
  • Oversees timely closing and funding of loans.
  • Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business.
  • Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
  • Responds to customer inquiries and requests regarding account.
  • Coordinates and assists back office personnel in resolving credit problems.
  • Promotes and cross-sells other establishment products and services as appropriate to customer requirements.
  • Handles non-sufficient funds account charges and returns.
  • Generates new business to assist in meeting establishment profitability goals. 

Financial Services Representative

  • Seek to exceed customer service expectations.
  • Receives checks and cash for deposit, verifies amount, and examines checks for endorsements.
  • Cashes checks and pays out money after verification of signatures and customer balances.
  • Enters customers' transactions into computer to record transactions, and issues computer generated receipts.
  • Places holds on accounts for uncollected funds.
  • Orders daily supply of cash, and counts incoming cash.
  • Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen.
  • Explains, promotes, or sells products or services such as travelers checks, savings bonds, money orders, and cashier's checks. 
  • Opens new accounts. 
  • Removes deposits from, and counts and balances cash in, automated teller machines and night depository. 
  • Accepts loan payments.

Education/Experience:  Associate's degree (A. A.) or equivalent from two-year college or technical school; or six months to one year related experience and/or training; or equivalent combination of education, experience, and sales ability.

 

Personal Banking Representative I

Community Banking – Full-time

This position serves the bank’s retail banking customer base with financial products and services that help customers succeed.


Essential Duties and Responsibilities include the following.  Other duties may be assigned: 

  • Prepares and compiles new customer application and information to open new banking deposit accounts and IRAs.  
  • Participates in bank strategies to generate deposit deposits in accordance with bank goals. 
  • Evaluates needs of potential retail customers and offers appropriate financial products and services.
  • Promotes and cross-sells other banking, mortgage, and wealth management products and services as appropriate to customer requirements. 
  • Keeps clients informed of status or enhancements to account, and works to resolve any account issues. 
  • Responds in a timely, professional, and confidential manner to client account inquiries and questions. 
  • Proactively addresses account risk management issues and negative account activity.  
  • Responsible for compliant account opening process for deposit accounts, including complete client on-boarding experience. 
  • Provides ongoing service to current customers to build goodwill and gain additional business. 
  • Participates in bank sales planning tactics to drive new business. 
  • Keeps account holders informed of any issues with account.
  • Addresses any negative account activity in a professional and proactive manner.

Education/Experience:  Associate's degree (A. A.) or equivalent from two-year college or technical school; plus six months to one year related experience and/or training; or equivalent combination of education, experience, and sales ability. 



Personal Banking Representative II

Community Banking – Full-time

This position serves the bank’s retail banking customer base with financial products and services that help customers succeed.


Essential Duties and Responsibilities include the following.  Other duties may be assigned: 

  • This position serves the bank’s retail banking customer base with financial products and services that help customers succeed.

Business and Relationship Building

  • Prepares and compiles new customer application and information to open new banking deposit accounts and IRAs. 
  • Generates strategies to drive core deposit accounts in accordance with bank goals. 
  • Generates strategies to drive consumer loan business in accordance with bank goals. 
  • Evaluates needs of potential retail customers and offers appropriate financial products and services.
  • Promotes and cross-sells other banking, mortgage, and wealth management products and services as appropriate to customer requirements.
  • Intakes new first/second/HELOC applications from customers via phone, walk-in/face-to-face, and referrals from branches/other departments and other bankers.
  • Identifies opportunities to meet clients’ financial needs and objectives with fixed and indexed annuities. 
  • Keeps clients informed of status or enhancements to account, and works to resolve any account issues. 
  • Responds in a timely, professional, and confidential manner to client account inquiries and questions.
  • Participates in bank sales planning tactics to drive new business. 
  • Proactively addresses account risk management issues and negative account activity.

Leadership 

  • Assists in planning and organizing bank-sponsored community events. 
  • Actively participates in bank-sponsored community events. 

Procedural/Operational 

  • Responsible for compliant account opening process for deposit and IRA accounts, including complete client on-boarding experience.
  • Responsible for compliant and thorough application and documentation on consumer loans.
  • Closes and funds consumer loans in a timely, compliant manner.
  • Assists operations personnel to resolve credit issues.

Education/Experience:  Associate's degree (A. A.) or equivalent from two-year college or technical school; plus two years related experience and/or training; or equivalent combination of education, experience, and sales ability.  Life and Health Insurance license preferred.  Becoming registered with the National Mortgage Licensing System will be required if handling mortgage loans.

 

Private Wealth Advisor

Wealth Management – Full-time 

Responsible for development, management, and retention of private banking and wealth management relationships with First American customers by performing the following duties. 

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Identify potential Private Banking clients through personal contacts and other marketing activities. 
  • Actively prospects current and potential clients for opportunities to provide deposit or wealth management services. 
  • Evaluates needs of potential private banking customers and offers appropriate financial products and services, which includes wealth management options. 
  • Prepares and compiles new customer application and information to open new account. 
  • Develop internal and external referral sources. 
  • Informs and advises clients regarding purchase and sale of securities, financial services, insurance, trust services, etc. 
  • Maintains and utilizes internal and external research and professional resources. 
  • Acts as liaison and primary client contact for appropriate investment and fiduciary clients. 
  • Sells products/services and manages client relationships in compliance with applicable laws, regulations, and bank/broker-dealer policies. 
  • Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity. 
  • Responds to customer inquiries and requests regarding accounts. 
  • Provides ongoing relationship servicing with current customers and coordinates involvement of appropriate Wealth Management or bank staff in client relationship. 
  • Promotes and cross-sells other establishment products and services as appropriate to customer requirements. 
  • Serves as the primary relationship manager for Ames investment management clients as they are developed. 
  • Seeks out opportunities for generating new fee income using a variety of referral sources.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; plus at least four years related experience and/or training; or equivalent combination of education and experience.  Must have securities and insurance licenses or obtain within six months of starting the position. 



Senior Credit Analyst

Commercial Underwriting – Full-time

Provide support to the EVP Underwriting / Special Assets by managing the commercial underwriting process, supervising the credit analyst staff, and enforcing credit administration policies and procedures.

Essential Duties and Responsibilities include the following.  Other duties may be assigned:

  • Oversees the credit analyst department to ensure accurate, thorough, and consistent credit reviews are completed in a timely basis through the development of objectives and boundaries of credit analyst group. 
  • Monitors and manages the department’s workload via the inventory report including the monitoring of incoming requests, assignment of reports to department staff, and preparation of productivity reports.
  • Identifies and develops commercial underwriting procedures and work processes for the entire department.
  • Conducts staff training in regards to implementing any new policy and procedures presented to the department.
  • Identifies training needs for credit analysts and ensures their development and growth is appropriate given their individual experience and tenure.
  • Spreads and analyzes financial statements supplied by customers and potential customers – sources of financial statements include accountant prepared financials, corporate tax returns company prepared financials, personal financial statements and/or personal tax returns; 
  • Prepares loan applications, credit modifications, and loan extensions for commercial relationships with aggregate exposure greater than $150,000. 
  • Preparation of loan applications includes obtaining/analyzing all necessary financial data using specialized commercial credit analysis software, compliance review with the bank’s lending policy, previously approved terms, conditions and documentation standards, loan covenants, an assessment of the customer/potential customers risk profile and an estimate of the relative profitability of the relationship.
  • Interacts with relationship managers in developing credit requests to be presented to loan committee and/or final approval.
  • Communication may include the recommendation of terms and conditions, identification of items that warrant additional information or analysis with the potential customer, and/or the determination if the request is an acceptable credit risk. 
  • Develops a functional knowledge of and a working relationship with loan documentation processing, centralized file room, loan servicing staffs as well as other related personnel in order to support the department’s management of credit risk. 
  • Represents the credit department at various bank loan committee meetings and communicate senior management’s comments and requests of the commercial underwriting department to other staff members. 
  • Ensures timely completion and accuracy of key department reports/management tools (such as but not limited to industry concentration analysis and trend analysis) to ensure accurate and timely completion. 
  • Researches economic trends, industry analysis, regulatory requirements, business and trade publications which could impact credit risk and or the probable success of current and potential customers. 
  • Accompanies account officers on customer calls when needed and workload allows. 
  • Serves as subject matter expert on credit policy.

Education/Experience:  A four-year degree from a college or university in accounting, finance or business with strong financial analysis, computer and communication skills, plus five to seven years related experience; or equivalent combination of education and experience.  Preference will be given to those candidates with prior staff management expertise, commercial lending experience, analyst experience and/or formal commercial credit certification.

 

Senior Vice President, Commercial Banker

Community Banking - Full-time - Salary

Responsible for the development, management, and retention of commercial and agricultural banking relationships with First American Bank customers by performing the following duties:

Essential Duties and Responsibilities include the following. Other duties may be assigned.   

  • Actively and proactively prospects current and potential commercial and agricultural banking clients for opportunities to provide deposit, loan or other financial products and services, with an emphasis on lending in the areas of commercial & industrial, commercial real estate, agricultural, 1 – 4 family portfolio residential and residential construction. 
  • Cross-sells other establishment products and services as appropriate based on client suitability. 
  • Ability to interact with and analyze the needs of commercial and agricultural banking customers. 
  • Develops strategies to meet the credit and investment needs of these individuals by selling First American Bank products directly or through referrals to other areas of the bank. 
  • Develops and implements sales plans to meet goals. Develops strategies for maintaining and further expanding existing accounts.
  • Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. 
  • Approves loan within specified limits or refers loan to loan committee for approval. 
  • Ensures loan agreements are complete and accurate according to policy. 
  • Assures timely loan closing and funding activities.
  • Provides the highest level of personal service to customers.
  • Sells products/services and manages client relationships in compliance with applicable laws, regulations, and bank/broker-dealer policies.
  • Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
  • Serves as the primary relationship manager for customers as they are developed. 
  • Assists customers in analyzing problems and proposing solutions. 
  • Responds promptly to issues, questions or concerns. 
  • Coordinates the involvement of appropriate bank staff in customer relationship.
  • Seeks out opportunities for generating new fee income using a variety of referral sources.
  • Actively seeks involvement in the overall growth of the entire bank through proactive involvement in all bank activities. 
  • Actively involved in the community as a representative of First American Bank in civic and community functions.
  • Advises Market Executive and Credit department of external factors that may affect establishment lending policies, such as new or revised legislation and regulations. 
  • Recommends and implements appropriate changes to establishment policies and procedures.
  • Guides all lenders within market with safe/sound credit structure in adherence with loan policy.  
  • Works cooperatively with Market Executive and Credit department to ensure credit structure is sound and the risk rating system is accurate at the loan level.
  • Ensures loan and deposit production are consistent with market goals.
  • Manages the Commercial Pipeline and Prospect lists for the market.
  • Makes recommendations to improve processes and procedures.
  • Monitors and manages the market’s technical exceptions and provides appropriate leadership to correct deficiencies.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; plus 10 or more years of commercial banking experience and/or training; or equivalent combination of education and experience.  Previous portfolio lending or construction loan experience preferred.


Vice President / Agricultural Banker

Community Banking – Full-time – Salary

Provides agricultural banking services to financial institution customers.

Essential Duties and Responsibilities include the following. Other duties may be assigned. 

  • Responsible for management of assigned agricultural loan portfolio.
  • Counsel agricultural clients with borrowing needs. 
  • Seek to exceed client service expectations. 
  • Promote a favorable image of First American Bank through involvement in community activities. 
  • Evaluate and approve customer loan requests. 
  • Negotiate credit terms, such as costs, loan repayment methods and collateral specifications. 
  • Analyze the credit history of applicants and determine their loan repayment capabilities. 
  • Develop new customer prospects and business for First American Bank. 
  • Actively call on existing and prospective customers. 
  • Handle collection of past due loans within assigned loan portfolio. 
  • Review new laws and regulations that influence business lending within the financial institution to keep current with all legal requirements. 
  • Attends and/or makes presentations and recommendations to bank’s loan committee. 
  • Ensures loan agreements are complete and accurate according to policy. 
  • Assures timely loan closing and funding activities. 
  • Make collateral field inspections. 
  • Advises loan manager of external factors that may affect establishment lending policies, such as new or revised legislation and regulations.
  • Recommends and implements appropriate changes to establishment policies and procedures. 
  • Promotes and cross-sells other establishment products and services as appropriate to customer requirements.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; plus two or more years related experience and/or training; or equivalent combination of education and experience.

 

Vice President, Commercial Banking

Community Banking - Full-time

Responsible for the development, management, and retention of private banking relationships with First American Bank customers by performing the following duties:

Essential Duties and Responsibilities include the following. Other duties may be assigned.  

  • Responsible for the development, management, and retention of commercial and other banking relationships with First American Bank customers.
  • Actively and proactively prospects current and potential commercial banking clients for opportunities to provide deposit, loan or other financial products and services, with an emphasis on lending in the areas of commercial & industrial, commercial real estate, 1 – 4 family portfolio residential and residential construction (single family and/or multi-family). 
  • Ability to interact with and analyze the needs of commercial banking and other customers. 
  • Develops strategies to meet the credit and investment needs of these individuals by selling First American Bank products directly or through referrals to other areas of the bank.
  • Develops  and implements sales plans to meet goals.
  • Develops strategies for maintaining and further expanding existing accounts.
  • Compiles loan package and facilitates negotiation of loan structure with applicant, including  fees, loan repayment options, and other credit terms. 
  • Approves loan within specified limits or refers loan to loan committee for approval. 
  • Ensures loan agreements are complete and accurate according to policy. 
  • Assures timely loan closing and funding activities.
  • Provides the highest level of personal service to customers.
  • Sells products/services and manages client relationships in compliance with applicable laws, regulations, and bank/broker-dealer policies. 
  • Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
  • Serves as the primary relationship manager for customers as they are developed. 
  • Assists customers in analyzing problems and proposing solutions. 
  • Responds promptly to issues, questions or concerns. 
  • Coordinates the involvement of appropriate bank staff in customer relationship.
  • Seeks out opportunities for generating new fee income using a variety of referral sources. 
  • Actively seeks involvement in the overall growth of the entire bank through proactive involvement in all bank activities. 
  • Actively involved in the community as a representative of First American Bank in civic and community functions.

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; and 5 years of commercial banking experience and/or training; or equivalent combination of education and experience.  Previous portfolio lending or construction loan experience preferred. 

 

Vice President, Senior Private Banking Officer

Community Banking - Full-time - Salary

Responsible for the development, management, and retention of private banking relationships with First American Bank customers by performing the following duties: 

Essential Duties and Responsibilities include the following. Other duties may be assigned.   

  • Responsible for attainment of sales goals including deposits, portfolio residential loans, HELOCs, and other lending opportunities, as well as referrals to Wealth Management. 
  • Develops and implements sales plans to meet goals.
  • Develops strategies for maintaining and further expanding existing accounts.  
  • Ability to interact with and analyze the needs of private banking customers. 
  • Develops strategies to meet the credit and investment needs of these individuals by selling First American Bank products directly or through referrals to other areas of the bank. 
  • Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. 
  • Approves loan within specified limits or refers loan to loan committee for approval. 
  • Ensures loan agreements are complete and accurate according to policy. 
  • Assures timely loan closing and funding activities.  
  • Provides the highest level of personal service to customers.  
  • Sells products/services and manages client relationships in compliance with applicable laws, regulations, and bank/broker-dealer policies.  
  • Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.  
  • Serves as the primary relationship manager for customers as they are developed. 
  • Assists customers in analyzing problems and proposing solutions. 
  • Responds promptly to issues, questions or concerns. 
  • Coordinates the involvement of appropriate bank staff in customer relationship.  
  • Seeks out opportunities for generating new fee income using a variety of referral sources.  
  • Actively seeks involvement in the overall growth of the entire bank through proactive involvement in all bank activities. 
  • Actively involved in the community as a representative of First American Bank in civic and community functions.  

Education/Experience:  Bachelor's degree (B. A.) from four-year college or university; and 7 years of private banking experience and/or training; or equivalent combination of education and experience.  Business development experience required.  Previous portfolio lending experience preferred.



How to Apply:
Click here for Employment Application. Print, complete and email, fax, send or drop the application off at your local branch office along with your resume.  Click here for branch locations.

Email:  Human Resources
Fax:  (515) 956-3157
Address:  First American Bank
c/o Human Resources
1530 South Duff Avenue, Suite 1
Ames, IA 50010

First American Bank offers competitive compensation and benefit packages.  

Our mission? Connecting People With Opportunity -- including each and every First American Bank employee.

 





Contact Us

If you have questions regarding transactions specific to your bank account(s), please do not send these inquiries by email. Please call your local First American Bank; branch telephone numbers can be found on the Locations page of our website.

For your convenience, we invite you to complete this form and click the submit button to share general questions, comments or concerns.

Please be aware email is an unsecured method of communication; you should never disclose personal information, such as Social Security numbers, account numbers, passwords, personal identification numbers (PINs) or financial information in an email.

For a Lost or Stolen debit cardclick here.

For bill pay inquiries, call CheckFree Customer Service at 866.820.0079; available seven days a week from 6:00 am to 12:00 am CST.

 

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