MidWestOne Bank

  • Vice President- Ag/Commercial Banker

    Belle Plaine
    Hours Per Week
    Benefits Package
    Yes - Full Time Package
    Location : Address 2
    822 12th Street
  • Overview

    Perform 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 loans and establishes the overall banking relationship through referrals of additional bank services.


    • Interviews applicants and underwrites all types of commercial loans through existing loan policy guidelines. Collects and analyzes financial related data to determine the general creditworthiness of the prospect and the merits of the specific loan request; submits application to credit analyst for verification and recommendation.
    • Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan or submits application to credit analyst for verification and recommendation.
    • Establishes and negotiates where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
    • Works with assigned support staff to compile the respective loan package; facilitates the negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. Ensures loan agreements are complete and accurate according to policy and bank regulations.  Promotes and cross-sells other banking products and services as appropriate to customer needs.
    • Approves loan within specified limits or refers loan to loan committee for approval.
    • 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.
    • Advise customers, where possible, on business management and financial matters.
    • Responsible for all documentation requirements for loans under his/her responsibility in conjunction with the Credit Administration/Loan Operations Department.
    • May participate as a member of Senior Loan Committee as assigned; makes presentations of loans needing approval to the committee.
    • Calls on business customers and potential clients and promotes the Bank to enhance commercial banking relationships. Identifies and analyzes potential loan markets to develop prospects for commercial loans.
    • May participate in the planning process for the Commercial/Ag Banking Department.
    • Provides input when developing Commercial/Ag Banking policies and procedures.
    • Participates in the community representing MidWestOne Bank, which includes volunteerism, board service and participation in bank-sponsored events.



    Bachelor's degree (B. A.) from four-year college or university preferred plus 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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