Credit Analyst

Position Title

Credit Analyst

Full time

JR1254-

At Midland, we’re proud to be a little different. You can see it in our bright orange signs— but there’s more to it than that. With our heartfelt and personalized approach, we’re focused on meeting every customer’s needs with the brightest solutions.

For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow‑through, we can brighten every interaction to drive our collective success. And this goes beyond traditional banking.

We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.

Our humble ambition keeps us growing, giving back, and looking ahead. We’re innovating and optimizing our services to ensure we stay unique – providing strength you can count on with heart you can feel.

You might say we’re unlike any other bank.

And you’d be right.

This position is expected to have greater than 3 years of credit analysis experience. A comprehensive understanding of processes, policies, regulation and rules is expected at this level. This position is responsible for spreading and analyzing commercial and consumer financial information. The analysis is compiled into a Credit Approval Form. Ability to train and review work of less experienced analysts. Acts as a resource for the lending team, identifying and analyzing risk as well as performing research as needed.

As a member of the Credit Administration team, this individual will be expected to contribute to the improvement of the department. Persons at this level may have credit approval authority. This individual will be held accountable for credit quality and personal goals.

• Fully understand and implement all aspects of all loan policies and bank regulations.
• Meets or exceeds all goals established.
• Attends department and bank meetings as required.
• Accepts other duties and responsibilities as assigned.
• Maintains positive attitude.
• Abides by all bank policies and procedures.
• The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
• May require work in a Midland office to ensure collaboration and support of internal and external customers.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• Other duties as assigned.

• Spreads financial information by using the bank’s financial software.
• Perform analysis as requested and on the largest and most complex loan relationships.
• Complete Credit Approval Forms (CAF) for large and complex credit relationships.
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Position Qualifications
• Education:
  
  Bachelor’s Degree or experience equivalency.
• Experience:
  
  3+ years credit/risk analysis experience.
Competencies / Other Skills
• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self development
• Being flexible and adaptable

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affiliated Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age or veteran status.

If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.

If you require reasonable accommodation in completing this application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

Compensation details:  Yearly Salary