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Regional Credit Officer

2 months ago

St Louis, United States Midland States Bank Full time
Job Summary

We are seeking a highly skilled Regional Credit Officer to join our team at Midland States Bank. As a key member of our credit team, you will be responsible for providing senior-level management, administrative, and credit underwriting and approval services. This role requires a strong understanding of credit risk management, regulatory requirements, and best practices within the financial services industry.

Key Responsibilities
  • Review and approve loan requests within designated credit authority, ensuring compliance with bank policies and risk guidelines.
  • Monitor credit quality across the region, including past dues, ticklers, loan grading, criticized/classified loans, and charge-offs.
  • Lead and maintain the overall credit quality and culture for the assigned region, ensuring alignment with the institution's risk appetite while supporting growth and profitability.
  • Partner with the Regional Market President and Relationship Managers to identify suitable credit opportunities, recommend appropriate loan structures, and ensure terms are in line with bank policy.
  • Accompany Relationship Managers on visits to key customers or prospects, particularly large or complex borrowers, to provide expert insight and support.
  • Collaborate with senior management to develop and implement regional credit strategies that align with the bank's long-term goals.
  • Review loan requests exceeding credit authority and provide recommendations to the Chief Credit Officer or the Director's Credit Risk Committee for further approval.
  • Counsel Credit Analysts to ensure accurate borrower analysis and effective preparation of credit approval documentation.
  • Stay ahead of banking industry trends, regulatory changes, and evolving business practices to guide strategic decisions.
  • Maintain awareness of any legal or regulatory updates that could impact credit operations.
  • Serve on committees of the bank as requested by the Chief Credit Officer.
  • Represent the bank in a professional, ethical, and moral manner to promote the institution in the communities it serves.
  • Occasionally travel for training and team meetings, and be willing to travel periodically to locations within the 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 the Bank Secrecy Act (BSA).
Requirements
  • Bachelor's Degree in a Finance, Accounting, Economics, or related field.
  • Extensive formal lending training with a proven record of performance.
  • Minimum of 10 years of banking and lending experience.
  • Minimum of 5 years in a credit approval, relationship management, special assets, managerial, or administrative role.
  • Proven ability to make complex credit decisions within established risk frameworks.
  • In-depth knowledge of regulatory requirements and best practices within the financial services industry.
  • Strong oral, written, and interpersonal communication skills.
  • Strong organization and time management skills.
  • Strong attention to detail.
  • Ability to work independently and as part of a team.
Competencies
  • 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 Affirmative 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.