Business Banking Lead Underwriter lll

Overview At MidWestOne, 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. As a Business Banking Underwriter III/ Lead Underwriter, core responsibilities will be as a team leader to drive our Business Banking division. This position will assist the VP, Business Banking in providing team leadership to this business line and will help coordinate and optimize the Focus Areas of the Business Banking Underwriting team. This position will remain an active member of the underwriting team and will be responsible for underwriting requests in this business line, 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. Responsibilities As Team Leader, utilizes strong and well-rounded knowledge in all aspects of commercial lending credit administration for the Business Banking underwriting team, helping clarify and resolve the more complex decisions. Creates a collaborative and successful service delivery through processes and credit updates given by the underwriting team. Assists 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. Develops and maintains subject matter expertise in the origination platform and AI scoring model used by this channel. Including vendor relationship management and common interaction with our third-party platform provider as needed. Assists in the oversight of and contributes to meeting certain internal and external auditing and internal control requirements. Responsible for underwriting business loan & business credit card transactions, using a combination of 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. The Perks! Competitive base compensation with additional performance-based incentives/bonus potential (incentives and bonus will vary depending on role) Career growth opportunities Continuous learning opportunities 401(k) Retirement Plan with company match with immediate vesting 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 Paid Time Off, Paid Holidays, Parental/Grandparent Leave, and more! Medical, Dental, and Vision insurance Flex spending plan & Health savings accounts Additional Insurance options to meet your personal needs: Pet Insurance and Critical Illness and Accident insurance Student Loan Debt Reduction Program & Tuition Assistance Plan 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! Qualifications Bachelor degree with other specific professional or technical certifications in related field Prefer five to ten years related experience and/or training with preference given for prior credit analyst, underwriting or lending experience as well as supervisory experience; or equivalent combination of education and experience. Ability to learn and execute assigned supervisory responsibilities, if applicable. 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!