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Commercial Lending Portfolio Manager

Kelli Deines

Two Rivers Bank & Trust Lender Kelli Deines

Kelli Deines


Kelli Deines

Job Title:

Commercial Lending Portfolio Manager     

Where did you grow up?

Grand Island, Nebraska.

What year did you begin your career at Two Rivers Bank & Trust?

April Fool’s Day – 2010

Can you please explain your current role?

I provide support to Commercial Relationship Managers with medium to large portfolios that have moderate to complex degrees of difficulty. I assist with daily duties in underwriting and monitoring credits of existing and proposed credit requests. I provide high level customer service support, assist in cross sell effort, and perform special projects for the department manager.

Leading up to your current job, what other experience do you have related to the banking industry? In what year did you begin your banking career? 

I began my banking career during college and accepted a position as a Personal Banker after graduating from the University of Nebraska-Lincoln.  From there, I managed branches on the retail side of banking.  I joined Two Rivers as a Credit Analyst in the Commercial Lending Department.  Since then, I was promoted to Lead Credit Analyst, Senior Credit Analyst, and now Portfolio Manager.

Do you have any special certificates / awards or designations? 

I graduated with honors from UNL.  Since then I have been involved in numerous banking courses, more recently, the Iowa Bankers Association’s Commercial Lending School and Iowa School of Banking.  I am also a Two Rivers Bank & Trust PRIDE Award Recipient.


Please highlight your community involvement.

I am on the Iowa Bankers Association Commercial Lending Advisory Board. I am also part of the Community Bankers of Iowa Leaders of Tomorrow Program. I’m a Covenant Presbyterian Church Elder and Current Session Member, Girl Scout Troop 2220 Treasurer, and the Direct Donation Chair for the Walnut Hills Elementary Parent Teacher Organization.

What do you enjoy most about your role at Two Rivers Bank & Trust?

I enjoy the flexibility I can have at my job. On a day-to-day basis, I am offered opportunities to not only make a difference to the bank, but also to our customers.  Through those opportunities I find satisfaction knowing that I am providing excellent support to my colleagues and clients.

What does being a good neighbor mean to you? 

Being a good neighbor is always following the Golden Rule: Treating others as I would want to be treated.

Contact: 515-221-3025