Chris Beener, consumer loan/deposit originator, has a diverse background and skillset that undoubtedly makes her an expert in the mortgage industry. She previously worked with wholesale lending for 18 years specializing in first mortgages, and she now works with second mortgages.

“I can talk the real estate lingo, and I can work with loan officers because I’m knowledgeable about first mortgages as well as any type of second loan,” Chris said. “This puts me in a unique position because I have significant experience and education in both sides of lending.”

Chris uses her lending experience and education to be an expert contributor to the Bankers Trust Education Center’s Credit Management category.

“I love helping others and sharing my knowledge and experiences I’ve had,” she said. “To watch other people flourish from this, whether it be employees or customers, is incredible.”

At the bank, Chris works with clients and other Bankers Trust loan officers to process, close and fund all types of loans, from mortgages to home equity. She also works with loan officers on lending, which includes purchase money seconds, home equity loans, bridge loans and lot loans.

“I like educating customers on what their options are,” Chris said. “I give advice to my clients, rather than sell them a product, which gives me great satisfaction because I’m saving them money and they can utilize funds they’ve already invested. Knowing that I can help them accomplish what they’re trying to do with minimal payments, and while reducing the financial burden, is priceless.”

Above all, her main focus when working with clients is providing a great customer service experience. This is also something she thinks Bankers Trust does well.

“Good customer service is few and far between today, but I truly think it’s our No. 1 selling point at Bankers Trust,” Chris said. “If we reach out to clients in any way we can, treat them with the utmost respect and provide them with excellent customer service, we’ll continue the relationship for years to come.”

To learn more about credit scores, home equity and many more Credit Management topics, read Chris’s articles on the Education Center.


With more than 25 years of experience in the banking and lending industry, Chris Beener is a consumer loan/deposit originator at Bankers Trust. Chris began her career as a teller at Bankers Trust in 1989. She decided to focus on lending and spent 10 years in positions at First Union Home Equity and Wilmington Finance before moving back to Bankers Trust in her current position. Chris is responsible for working with clients and other Bankers Trust loan officers to process, close and fund all types of loans, from mortgages to home equity. She has earned recognition for her work with Outstanding Sales Achievement awards, and she is also in the top 3 loan production originators annually.

Chris is involved with a number of organizations in the Des Moines community, including the Iowa State Fair Blue Ribbon Foundation, Iowa State Fair 1854 Society, Iron Warriors, Saint Theresa’s Catholic Church and School, and Johnston Urbandale Soccer Club. In her free time, Chris loves spending time with her son and family, attending their many school and sport functions.

Contact Chris


NMLS ID# 571169