MidWestOne Bank

Credit Analyst II

1650 South Lake St
Forest Lake
Benefits Package
Yes - Full Time Package


Commercial Loan Credit Analyst:

Responsible for performing advanced credit analysis assignments and assisting commercial loan officers in the pre-funding development, analysis and the underwriting functions of commercial loan credits.


  • Prepare complex 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
  • Participate in the structure of loan requests, where appropriate, to include suggestions on terms, conditions, collateral and guarantors.
  • Provide guidance to lenders, analysts or managers on loan policy compliance by verifying adherence to MidWestOne’s loan policy, and commenting on any risk associated with non-compliance.
  • Complete impairment analysis on commercial relationships.
  • Subject matter expert on the the bank’s credit analysis software
  • Ability to work independently the majority of the time without assistance
  • Ability to mentor junior Credit Analysts as needed
  • 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 complex 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.


Bachelor's degree from four-year college or university in business preferred and one to five years related experience and/or training in a lending, credit analyst, or regulatory role; or equivalent combination of education and experience.


At MidWestOne Bank diversity is embraced and we are committed to equal employment opportunity regardless of race, color, religion, sex, national origin, sexual orientation, gender identity, creed, Veteran status, disability, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.


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