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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
Client Support Representative II

Clive, IA

 

Credit Analyst II

Clive, IA

 

Financial Services Representative (Teller)

Ames, IA (full-time)

Ankeny, IA (part-time)

Clive, IA (part-time)

Des Moines, IA (part-time)

Iowa City, IA (full-time)

Sioux City (part-time)

Waukee, IA (part-time)

Webster City, IA (part-time)

Mortgage Loan Originator

Iowa & Florida Markets

Personal Banking Representative I

Cape Coral, FL  

Des Moines, IA - SW 9th St.

Personal Banking Representative I/FSR

Pine Ridge, FL

Retail Loan Underwriter 

Clive, IA

Senior Vice President, Community Banking

Clive, IA

Vice President, Community Banking

Sioux City, IA 

VP or SVP/Community Banking

Ames, IA

Vice President, Senior Private Banking Officer

Sioux City, IA

 

 

Client Support Representative II

Client Support - Full-time

Performs duties related to Client Support in a timely and efficient manner in order to meet or exceed productivity standards for deadlines and quality control.

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

  • Specialized knowledge, training, or accreditation in a particular high risk subject (IRA, BSA, Fraud, eCorp, Critical Employee Changes) with extensive knowledge in the internal systems required to perform these functions.
  • Cross divisional knowledge, with in depth competence in all systems required within Client Support and Retail Banking, which allows for cross-training and assistance in other duties.
  • Proficiently performs and trains other team members on the essential duties and responsibilities of their specialty area as requested by Lead or Manager.
  • Under the direction of the Lead Client Support Representatives, assists with special assignments.
  • Receives and responds to all operational requests from frontline staff.
  • Under the direction of the Lead Client Support Representatives, performs daily tasks as assigned within Electronic Services, Branch Services, and Deposit Services.  Examples of these tasks may include, but are not limited to:Debit Card ordering, processing, maintenance and disputes.
    • IRA document review and processing
    • Wire processing
    • eCorp customer set up and maintenance
    • ACH/ECD customer service processing and maintenance
    • Mobile Banking and Bill Pay support
    • Lockbox processing
    • Monthly statement and notices processing
    • Daily GL Balancing
    • File Maintenance and Verification
    • New Account Verification
    • EIM / VIE processing
    • Escheat
    • Mail processing
    • ATM balancing
    • Security and BSA daily functions

Education/Experience: Associate’s degree from two-year college with primary emphasis in business or related field; or three to five years related experience and/or training; or equivalent combination of education and experience.

 

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.

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.


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 cashier's checks. 
  • 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.

   

Mortgage Loan Originator

Home Mortgage Department – Full-time

Originates or denies mortgage loans. 

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 from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience. 

  

Personal Banking Representative I

Community Banking – Full-time

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


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 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 I/Financial Services Representative

Community Banking – Full-time

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.

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 cashier's checks.
  • 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.

 

Retail Loan Underwriter

Underwriting - Full-time

Responsible for underwriting consumer and portfolio loans to ensure compliance with appropriate company and regulatory standards, providing consumer loan training, and assisting with the overall implementation of the retail lending process.

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

  • Responsible for underwriting consumer and portfolio loan applications submitted by retail bankers.
  • Responsible for underwriting MidAmerican loan applications.
  • Reviews applications submitted to underwriting to ensure they are complete and compliant with company and regulatory standards.
  • Works with Functional Training to provide training to retail bankers on easyLENDER system.
  • Identifies training needs with existing retail lenders and provides ongoing training throughout the year to address those needs.
  • Works with new hires to provide training on consumer and portfolio loan products and loan software.
  • Partners with Compliance to ensure that lenders are trained on ongoing regulatory updates.
  • Provides ongoing support to retail bankers with regard to loan products, loan software, consumer and portfolio loan rates and any other areas related to consumer and portfolio lending.
  • Works with Compliance on any area related to consumer and portfolio lending.

Education/Experience: Bachelor's degree (B. A.) from four-year college or university; plus 2 or more years of consumer and portfolio loan underwriting experience.  Proficiency required inthe following areas: credit analysis, income verification, calculation of key ratios including debt-to-income and loan-to-value, and application of bank loan policy to various loan scenarios.

 

Senior Vice President, Community Banking

Community Banking - Full-time

Responsible for the development, management, and retention of commercial and agricultural banking relationships with First American Bank customers.

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.
  • Makes recommendations to improve processes and procedures.

Education/Experience:  Bachelor's degree 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.  MBA, JD, or CPA preferred.  Previous portfolio lending or construction loan experience preferred.

 

Vice President, Community Banking

Community Banking - Full-time

Responsible for the development, management, and retention of commercial and other banking relationships with First American Bank customers.

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

    • 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 from four-year college or university; plus 5 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 or Senior Vice President, Community Banking

Community Banking - Full-time

Responsible for the development, management, and retention of commercial and agricultural banking relationships with First American Bank customers .

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, 1 – 4 family portfolio residential and residential construction (single family and/or multi-family).  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.
  • Makes recommendations to improve processes and procedures.

Education/Experience:

VP:  Bachelor's degree from four-year college or university; plus 5 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.

SVP:  Bachelor's degree 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, Senior Private Banking Officer

Community Banking - Full-time

Responsible for the development, management, and retention of private banking relationships with First American Bank customers. 

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 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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