We are open to filling this position in any of our MidWestOne markets.

Small enough to care. Big enough to deliver.

As a Business Banking Underwriter II, core responsibilities will be experienced in nature and drive our Business Banking division.  Responsible for underwriting requests, to include a complete Business Banking product-set serving a defined relationship size.  Using the bank’s loan origination platform while working closely with line staff and loan processing to facilitate an efficient decisioning and pre-close process. 

Essential Duties and Responsibilities

• Responsible for underwriting business loan & business credit card transactions, using a combination of business banking origination platform scoring models and traditional underwriting techniques.
• Prepares the business loan presentation, completing each transaction’s due diligence/compliance requirements and coordinating loan closing documentation.
• Responsible for quality control, including reviewing files for completion, accuracy and compliance with all applicable bank policy and regulatory guidelines.
• Completes all required online and classroom training. Demonstrates through performance, an understanding of all compliance issues related to this position.
• Responsible for understanding and adhering to bank loan policy and all applicable federal and state regulations, procedures and requirements, with regards to business lending.
• Performs other duties required or assigned in support of Bank’s Credit Admin Department goals and objectives. 

Focus Areas 

• Strong working knowledge in commercial loan credit analysis/underwriting and will serve as a primary point of contact for related projects or assignments for the Business Banking team. This will include acting as liaison to the bank’s credit administration department and keeping this business line current with updates necessary for successful and collaborative service delivery.
• Develops and maintains subject matter expertise in the origination platform and AI scoring model used by this channel. Interaction with our third-party platform provider when needed.
• Assists with the maintenance of regular reporting of data to and from this business line, this will include working with applicable parties to maintain certain monthly reports on business line volume, decisioning, exceptions tracking, rate sheet maintenance, etc.
• Supports the VP, Business Banking in the maintenance and delivery of a Business Banking training program designed to educate relevant bank staff/users of the channel.

• Bachelor degree with other specific professional or technical certifications in related field.
• Financial experience should include 4-6 years banking background, with preference given for prior related experience and/or training in a loan processing or servicing, junior lending, credit analyst or portfolio manager, underwriting or regulatory role; or equivalent combination of education and experience.