Small enough to care. Big enough to deliver.

A Vice President, Commercial Banker is responsible for business development and portfolio management of commercial banking relationships. Coordinates business development efforts with other officers across lines of business. Collaborates with credit and operations colleagues to underwrite, originate, service, monitor, and collect commercial purpose loans and grow depository, Treasury Management, and Wealth Management relationships. Assumes a visible leadership role by serving the community and the bank as a role model of our operating principles.  

Client Retention and Revenue Generation

At MidWestOne, our mission is to take good care of our customers and those who should be.

• Maintain regular, proactive contact with customers and prospective customers to maintain a deep understanding of their business, including current performance, outlook and goals.
• Create and nurture a network of centers of influence, including accountants, attorneys, and other professionals.
• Collaborate with all areas of the bank to be highly responsive to answering customer questions and resolve issues.
• Conduct joint calls with other officers, including other lines of business, to retain and expand the bank’s relationship.
• Advocate effectively and ethically for the Bank to the client and for the client to the Bank. Communicate effectively with Borrowers and prospective Borrowers to ensure understanding of Bank’s views, expectations, and requests. Communicate in an effective and timely way internally with other Bank departments including Credit Administration to support having an accurate understanding of the revenue opportunities and risk dynamics of customer and prospective customer relationships.
• Grow bank’s revenue in a relationship-based approach through generation of the following
  • high quality loan outstandings to current and new customers
  • new deposit fundings with particular emphasis on being the primary depository for clients, including non-interest bearing accounts and personal deposit accounts of the employees of Commercial Banking customers
  • generation of loans fees and other non-interest income including Treasury Management and Wealth Management services
  • qualified referral introductions for all lines of business
• Maintain record of customer contact and business development activities and results through Bank’s CRM software and reporting systems.

Risk Management

Second only to hiring decisions, client selection is the most important choice made by a commercial bank.

• Maintain deep and updated understanding of the Bank’s credit policies and risk management philosophy and applicable regulations and compliance requirements.
• Employ robust financial analysis to analyze loan requests and the financial condition of current and proposed lending arrangements. Partner effectively and constructively with Credit Administration in underwriting and reviewing Borrower relationships to produce a consistent, timely, and accurate understanding of risk profile.
• Apply deep understanding of prudent loan structuring in reviewing existing lending commitments and proposing new lending commitments.
• Apply thorough and well-informed loan documentation expertise in partnership with others inside and outside the Bank to review documents, negotiate transaction details, and consummate complex transactions accurately and on time.
• Assist customers in understanding and meeting their obligations, including payments, financial and project reporting, covenant compliance and borrowing base monitoring, as applicable.
• As needed, implement appropriate collection and risk remediation plans in concert with other Bank departments to minimize risk of loss.

• Bachelor's degree from four-year college or university strongly preferred. 5+ years in Commercial Banking/Lending role demonstrating robust business development and credit skills, including accounting and financial expertise.
• Experience with negotiating complex credit arrangements in the commercial lending arena.