MidWestOne Bank

Consumer Loan Underwriter & Quality Control Specialist

102 South Clinton Street
Iowa City
Hours Per Week
Benefits Package
Yes - Full Time Package


Is responsible for consumer loan underwriting and review to ensure that all criteria and guidelines are met by working closely with consumer loan originators and loan operations. Additional emphasis on consumer lending quality control, and support for new lender training and system administration department responsibilities.  Assumes responsibility for determining whether a borrower can reasonably be expected to maintain the repayment terms of a consumer loan, considering the type of collateral, sources of down payment, income, stability of income, other fixed monthly obligations, net worth and credit history


Monitors the compliance of consumer loan origination.

Ensures that loans meet credit policy guidelines and requirements

Reviews lien searches, title work, and appraisals

Reviews for completeness, all verifications and supporting documentation; verifies accuracy of information against the loan application.

Analyzes reports and audits pertinent data to the underwriting of the loan.

Interacts with the originators about the status of their credits

Acts in an advisory capacity to originators and loan operations staff on matters pertaining to consumer lending.

Works with the Compliance Department to make sure we are meeting our goals to stay compliant with our loans and uncover additional training needs.

Works with Compliance Department to interpret new or changing regulations regarding consumer lending and update policies and practices appropriately


Bachelor’s degree and 3-4 years of experience with consumer lending preferred or a combination of education and experience necessary.


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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