MidWestOne Bank

  • Commercial/Ag Banking Officer

    112 North Main Street
    Location : Address 2
    10030 Highway 149
    Location : City
    North English
    Location : State/Province
    Hours Per Week
    up to 40
    Benefits Package
    Yes - Full Time Package
  • Overview

    Under the direction and general supervision of the Market President, performs commercial and/or agricultural banking services for MWO customers with respect to the extension of credit and monitoring of the overall banking relationship.  Examines, evaluates, and authorizes or recommends approval of customer applications for commercial, agricultural and residential mortgage loans and banking services. Establishes an overall banking relationship through referrals of additional bank services.  Learns and applies knowledge with respect to customer calling/servicing, banking compliance and lending policies applicable to Commercial and Ag banking.


    • Learns and acquires knowledge and experience with respect to the credit function from application, to analysis, and through closing:
      1. Interviews applicants for less complex types of commercial and ag loans through existing loan policy guidelines; 
      2. Collects and analyzes financial related data to determine the general creditworthiness of the prospect and the merits of the specific loan request;
      3. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan;
      4. Submits application to credit analyst for verification and recommendation;
      5. Establishes and negotiates where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
      6. Works with assigned support staff to compile the respective loan package;
      7. Facilitates the negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
      8. Approves loan within specified limits or refers to loan committee for approval.
      9. Works with the Home Mortgage Center to develop and close residential mortgage loans.
    • Ensures loan agreements are complete and accurate according to policy and bank compliance regulations. Responsible for all documentation requirements for loans under his/her responsibility in conjunction with the Credit Administration/Loan Operations Departments.  Assures timely loan closing and funding activities.
    • Works problem or delinquent loan accounts through the collection process in coordination with Credit Administration/Management personnel:
    1. Monitors loan repayment activities and takes necessary action to collect from past due accounts.




    Bachelor's degree (B. A.) from four-year college or university preferred plus 3-5 years related experience, 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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