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Midwest One Bank SBA Senior Credit Analyst in United States


At MidWest One, our people are number one in everything we do. We are a community bank with a culture based on integrity and customer care. The people on our team are the foundation of our success. If you're ready to work for an organization that values you, develops your talents and helps you grow personally and professionally, then look no further.

This role is responsible for the underwriting of SBA guaranteed loan requests within MidWestOne Bank. Responsible for independently performing advanced credit analysis assignments and assisting commercial Bankers in the pre-funding development, analysis, and the underwriting functions of SBA related requests. In collaboration with Bankers, this position is responsible for examining and evaluating information with recommendations to the respective Banker as to the general creditworthiness and merits of credit requests from existing and prospective customers. This position will also provide ongoing mentoring and training of Credit Analysts as directed by the Lead Credit Officer.


  • This position requires knowledge, proficiency, and adherence to internal policies and procedures as well as applicable laws and regulations.

  • Analysis of SBA guaranteed loans will follow guidance as established in SBA Standard Operating Procedures (SOP).

  • Maintain up to date knowledge of current SOP SBA requirements through continuous learning individually and through NAGGL and/or other outlets.

  • Collection and analysis of financial data deemed necessary to determine the general creditworthiness and merits of credit requests. This may include reviewing and spreading financial statements, tax returns, cash flow and projection analysis, risk rating, and analysis and review of personal financial statements and other applications that are presented in adherence with MidWestOne Bank Credit Guidelines/Policy and SBA SOP requirements.

  • Assesses total risk pertaining to complex requests for new or existing customers, primarily through the analysis of financial statements and credit history.

  • Ongoing credit monitoring to include the review of borrowing base certificates and covenant compliance letters. This includes working with Bankers on the collection and reconciling to financial documents and working with Credit Officers and the line on non-compliance issues.

  • Mentor of Credit Analyst throughout the underwriting process. This may include the training of new credit analyst on underwriting processes and procedures and the review of credit analyst work on accuracy compared to loan policy requirements and to ensure quality credit risk analysis.

  • Provided support to the Credit Administration Representative in his/her absence on the completion and distribution of agendas, meeting minutes, and other meeting materials to Commercial Credit Committee.

  • Occasional travel to bank branches across the Bank footprint.

  • Annual due diligence review of vendors the bank uses in its normal course of business.

  • Other duties may be assigned

    The Perks!

  • Competitive base compensation with additional performance-based incentives (incentives vary depending on role)

  • Career development and c ontinuous learning opportunities

  • Paid Time Off, Paid Holidays, Parental/Grandparent Leave, and more

  • 100% vested 401(k) Retirement Plan with company match

  • Medical, Dental, and Vision insurance

  • Flex spending plan & Health savings accounts with employer contribution

  • Student Loan Debt Reduction Program & Tuition Assistance Plan

  • Employee Stock Ownership Plan

  • Employer provided group life insurance with option to purchase additional life insurance for you and your family members

  • Employer provided long term and short term disability insurance

  • Additional Insurance options to meet your personal needs: Critical Illness and Accident insurance

  • Wellness Program

  • Free banking services and other financial services discounts

  • Take Your Dog to Work Day in June

  • Employee Rally Day- a day of celebration and recognition !


  • Bachelor’s degree or equivalent combination of post high school education and related work experience

  • In addition to education in the field of business, prefer 5 or more years of experience and/or training in a lending, credit analyst, or regulatory role; or equivalent combination of education and experience.

  • Candidate must have extensive background with SBA 7A loans and strong understanding of SOPs.

    We RISE by lifting others. RISE stands for Retention, Innovation, Support, and Empowerment. Through RISE we aspire to create and sustain a culture of diversity, inclusion and belonging at work and in our communities. Our commitment to RISE is reflected in our operating principles, people and culture. We pledge to continuously learn, so we can understand and support the differences of individuals, embrace each other's strengths, and provide opportunities for all of us to work toward and achieve our full potential.

    Now that you know more about us and the position, next step is for you apply so we can learn about you!

Location : LocationUS-MN-South St. Paul



CitySouth St. Paul


Benefits PackageYes - Full Time Package

Location : Address 2930 Southview Boulevard