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Credit Analyst III

Company: Midland States Bank
Location: Saint Louis
Posted on: May 15, 2022

Job Description:

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We're proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.Position SummaryThis position is expected to have greater than 3 years of credit analysis experience. A comprehensive understanding of processes, policies, regulation and rules is expected at this level. This position is responsible for spreading and analyzing commercial and consumer financial information. The analysis is compiled into a Credit Approval Form. Ability to train and review work of less experienced analysts. Acts as a resource for the lending team, identifying and analyzing risk as well as performing research as needed. As a member of the Credit Administration team, this individual will be expected to contribute to the improvement of the department. Persons at this level may have credit approval authority. This individual will be held accountable for credit quality and personal goals. Primary AccountabilitiesFully understand and implement all aspects of all loan policies and bank regulations.Meets or exceeds all goals establishedAttends department and bank meetings as requiredAccepts other duties and responsibilities as assignedMaintains positive attitudeAbides by all bank policies and proceduresMaintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA)Commercial Credit Analysts:Spreads financial information by using the bank's financial softwarePerform analysis as requested and on the largest and most complex loan relationshipsComplete Credit Approval Forms (CAF) for large and complex credit relationshipsRetail and Business Banking Analysts:Underwrite and decision large and more complex retail loan requests within designated authorityUnderwrite and decision all commercial loan requests within designated authorityProficiency in performing all loan origination functions. This includes analysis, loan structuring, underwriting, document preparation and quality controlPosition QualificationsEducation:Bachelor's Degree or experience equivalency3+ years credit/risk analysis experience Competencies/Other Skills:Business insightCultivates innovationDrives resultsMakes sound decisionsBeing a brand championCollaboratesCommunicates effectivelyCustomer focusBeing AuthenticEmotional IntelligenceSelf developmentBeing flexible and adaptable If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at HR@midlandsb.com. THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT
PI175613162

Keywords: Midland States Bank, St. Louis , Credit Analyst III, Professions , Saint Louis, Missouri

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