Overview

At MidWestOne, our people are number one in everything we do. We are a community bank with a culture based on integrity and customer care. The people on our team are the foundation of our success. If you're ready to work for an organization that values you, develops your talents and helps you grow personally and professionally, then look no further.

The Credit Analyst is responsible for performing credit analysis assignments related to the pre-funding development, analysis and underwriting functions of commercial credits.

Responsibilities

• Prepare loan presentations for use by lending officers or committees to make lending decisions on new credit approvals and renewals.
• Complete vendor due diligence and / or secondary market investor analysis under the direction of the VP, Credit Administration
• Assess total risk pertaining to requests for new or additional credit by new or existing customers, primarily through the analysis of financial statements and credit history.
• Prepare annual credit reviews for existing commercial customers. The reviews would include financial analysis of tax returns, company prepared statements and audits along with any changes that may have occurred since the previous review.
• Spread financial statements using Lending Cloud, the bank’s commercial credit analysis software, as needed.
• Analyze industry trends which may or may not raise potential concerns.
• Complete impairment worksheets used by bank management to assess potential loan losses.
• Compile board reports primarily through the use of Microsoft Excel.
• Other duties may be assigned.

The Perks!

Qualifications

We RISE by lifting others. RISE stands for Retention, Innovation, Support, and Empowerment. Through RISE we aspire to create and sustain a culture of diversity, equity, inclusion and belonging at work and in our communities. Our commitment to RISE is reflected in our operating principles, people and culture. We pledge to continuously learn, so we can understand and support the differences of individuals, embrace each other's strengths, and provide opportunities for all of us to work toward and achieve our full potential.