Credit Review Officer

Mid First Bank is a Forbes Best Employer with more than $40 billion in assets and serving more than 900,000 customers, the largest privately owned bank in the country. As a family‑owned institution, Mid First has built deep, long‑term customer relationships. We are committed to providing an exceptional culture that energizes and supports employees while delivering extraordinary customer service. We are seeking strong leaders and individuals who will provide outstanding banking experiences to our customers!

Independent, ongoing Credit Review of a bank's loan portfolio is a critical line of defense within a bank's risk management framework. Through written analysis of loan relationships, assessment of underwriting and appraisal accuracy and reasonableness, and continuous monitoring of the portfolio through meeting participation and analytical reports, Credit Review can ensure that loan risk ratings are timely and accurate, provide early identification of negative risk trends, and communicate issues and process improvement recommendations to senior & executive management.

• Written, independent analysis of commercial real estate, C&I, and other loan relationships of varying size and complexity:
  • Ensuring timely risk rating accuracy of relationships reviewed.
  • Identifying changes in trends or credit risk profiles.
  • Providing independent assessment of a relationship's credit quality, and assumptions made in underwriting and appraisals.
  • If necessary, providing additional underwriting scenarios or projections using updated assumptions.
• Understand applicable credit policy, laws, and regulations - then opine on the appropriateness of exceptions made to credit policy (along with any mitigating factors).
• Through meeting attendance and credit portfolio reporting, continuously monitor segments of the overall credit portfolio - identifying trends or areas of risk worthy of further review.
• Perform credit review due diligence on potential merger & acquisition loan portfolios.
• Communicate credit trends and recommended process improvements to senior & executive management.

• Bachelor's degree in finance, accounting, or related business degree. Will consider a Bachelor's degree in a non‑business related field with requisite underwriting or credit review experience.
• Minimum 5+ years' experience in commercial underwriting, credit review, lending, or related fields.
• Completion of a formal credit training program is a plus, but not required.
• Understand financial ratios, financial analysis, and accounting principles.
• Understand UCC and loan documentation concepts.
• Demonstrated analytical and critical thinking ability.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Word, Excel, Access, and other software products.
• Position requires a minimum of 3 years of relevant US based experience.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.