Midwest One is a full-service, locally owned bank defined by tradition and innovation. As the tri-state's leader in providing financial services to local businesses, we offer a variety of options specially designed to help your business grow and prosper. From basic products like commercial checking accounts to sophisticated products like sweep accounts and employee benefits, Midwest One has the right combination of products and high-quality service to meet the growing demands of businesses large and small.
Midwest Onetailors loans to suit the needs of any size business, from start-up to major expansion. Our local decision-making, quick turnaround, and variety of terms make us Dubuque County's top commercial lender.
Midwest One cash management system offers flexible, easily tailored banking services that accelerate the availability of corporate cash and minimize collection time of accounts receivable. Sweep processing at Midwest One provides an efficient means of cash control for multiple accounts. This convenient service automatically transfers funds or balance amounts between accounts, based on specific dates or dollar levels.
Midwest One is also a distinguished leader in technology-based banking with products and services such as Internet Business Banking and Direct Business PC Banking, which demonstrate a tradition of innovation.
For financial planning expertise, turn to Midwest One. Our highly trained and dedicated employees make us the largest best-staffed financial planning department in the region. No matter what your business's size, Midwest One as a program for you. We can help you design, implement, and administer 401(K) and Money Purchase Pension Plans, Employee Stock Ownership Plans, IRA Rollover Trusts, Estate Management/Estate Settlement, Trust, and more.
Throughout the years, Midwest One has developed a strong reputation for providing outstanding service to our customers and has fostered a tradition of continually supporting our local communities. We are proud of this tradition and look forward to carrying it far into the future.
In collaboration and support of assigned Banker(s), this position is responsible for collecting, examining, and evaluating information with recommendations to the respective Banker(s) as to the general creditworthiness and merits of credit requests from existing and prospective customers.
This position may provide administrative, and credit analysis support (or at times a liaison to other departments to complete these tasks) for the assigned Banker(s) as needed. Works with and through others in the organization to accomplish these responsibilities.
•This position requires knowledge, proficiency, and adherence to internal policies and procedures as well as applicable laws and regulations.
•Collection and analysis of financial data deemed necessary to determine the general creditworthiness and merits of credit requests. This may include reviewing and spreading financial statements, tax returns, cash flow and projection analysis, risk rating, and analysis and review of personal financial statements and other applications that are presented.
•Ongoing credit monitoring to include completing credit reviews as needed (typically annually) along with reviewing upcoming loan maturities, borrowing base certificates, trend identification in credit quality/risk rating, compliance with loan covenants, etc.
•Coordinate collateral inspections, on site visits, reviews, evaluations, and appraisals for upcoming loan maturities, credit reviews, and new requests in accordance to internal policies and procedures.
•Requests loan packages according to internal policies and procedures and review for accuracy, completeness, and thoroughness prior to closing to ensure all applicable documentation requirements are met for loans under his/her assigned Commercial/Ag Banking Officer.
•Ensures loan agreements are complete and accurate according to policy.
•Assures timely loan closing and funding activities.
•Reviews loan documents and reports to ensure integrity of data input/stored in Navigator (bank’s mainframe system) post-closing.
•Services customers and potential customers by proactively promoting the Bank to enhance commercial/ag banking relationships by identifying and recommending banking products and services to the assigned Banker as appropriate to meet customer needs.
•Works on other designated credits or special projects as assigned by Regional President and/or Lead Commercial / Ag Banker
•May participate and make presentations of credit requests needing action to Metro Loan Committee, Executive Loan Committee, and/or Loan Strategy as directed by the assigned Banker(s).
•Joint calls with customers and potential customers with the assigned Banker(s) to promote the Bank while further enhancing and soliciting additional banking relationships.
•May participate in the planning process for the region’s Commercial/Ag Banking Department.
Participates in community and business functions/groups consistent with our Bank’s Brand Promise, Mission Statement, and Operating Principles.
Bachelor's degree (B. A.) from four-year College or university preferred plus 1-3 years related experience, or equivalent combination of education and experience. Strong analytical and financial analysis skills, thorough understanding of Finance and Accounting principles, demonstrated problem-solving skills, and excellent verbal, written, and interpersonal skills.
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|Years of Experience||1-2 Years|