Chad Ervin

About Chad Ervin

With over 20 years of experience in retail and commercial business development and lending, I am a passionate advocate for my clients. I provide them with cutting-edge financial tools and expert advice to help them achieve their goals and overcome challenges in various economic environments.Over the past 20 years I have been recognized for leading high-performing teams, achieving significant milestones in commercial lending, and and demonstrating profound financial acumen. I am skilled in navigating complex financial transactions, managing risks, and driving revenue growth. I am committed to fostering team development and leveraging strategic relationships to achieve organizational goals. Exceptional leadership and team management skills, with a record of mentoring team members for career advancement.

Experience

1. Vice President Central Iowa Business Banking Sales Manager

   U.S. Bank

   Nov 2025 — Present · Des Moines, IA, US

   The Central Iowa Business Banking Team\'s primary focus is helping businesses succeed. Period. We partner with companies generating $2.5MM to $50MM in annual revenue, providing tailored financial solutions that support growth, stability, and long-term success.What We Do for Clients:Strategic Guidance: We work closely with business owners to understand their goals and deliver solutions that fit their unique needs.Comprehensive Banking Solutions: From lending and deposit strategies to cash flow optimization, we provide tools that help businesses thrive.Collaborative Expertise: Our team partners with specialists across U.S. Bank to offer a full suite of services, including:Treasury Management – Streamlining cash flow and payment systems.Payment Solutions & Merchant Services – Secure, efficient transaction processing.Equipment Finance – Flexible financing for capital investments.Credit – Responsible lending tailored to business objectives.Wealth Management – Holistic financial planning for business owners.Our Commitment:We don’t just provide banking services—we build relationships. By working as one team, we deliver a seamless experience that empowers businesses and strengthens communities across Central Iowa.

Education

• SMU Cox School of Business

  ABA National Commercial Lending School

• St. Ambrose University

  Master of Business Administration - MBA

  2005 — 2007

• Marycrest International

  BA, History/Foreign Relations

  1992 — 1997

Skills

• Sba
• Credit
• Finance
• Cash Management
• Mortgage Banking
• Mortgage Lending
• Small Business Lending
• Residential Mortgages
• Banking
• Risk Management
• Retail Banking
• Consumer Lending
• Portfolio Management
• Relationship Management
• Loans
• Small Business
• New Business Development
• Business Development
• Wealth Management
• Loan Origination
• Management
• Commercial Lending
• Commercial Mortgages
• Commercial Credit
• Construction Loans
• Commercial Banking
• Refinance
• Underwriting
• Financial Analysis
• Cross Selling
• Cash Flow
• Financial Services
• Sales
• Investments
• Credit Analysis
• Deposits
• Treasury Management
• Sales Management
• Lines of Credit