Position Title: Director- Loan Review
Locations: Maryland HeightsMO
Time Type: Full time
Req ID: JR1003-Maryland HeightsMO
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.”
At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.
Salary Range: $150,000-$200,000

POSITION SUMMARY

The Director – Loan Review is a strategic leadership role within Midland States Bank, reporting directly to the SVP – Chief Risk Officer (CRO). This role is responsible for leading the independent Loan Review function to assess the credit quality, risk management practices, and portfolio trends across all lending areas, ensuring the Bank maintains a sound credit culture and adheres to regulatory requirements. The Director will provide senior-level insights and data-driven recommendations to senior leadership and Board Committees to proactively manage credit risk exposures. This role plays a critical part in identifying systemic issues, underwriting trends, emerging risks, and opportunities to enhance risk-adjusted returns while maintaining prudent lending practices.

EDUCATION/EXPERIENCE:

• Bachelor’s degree in finance, accounting, economics and/or equivalent experience.
• Master’s degree preferred.
• Leadership of the credit function at a Bank with a minimum of $7.5B in assets.
• 10+ years of experience in credit review, loan portfolio risk management, or credit administration within a regulated banking environment.
• Strong knowledge of credit risk management, loan underwriting, asset quality assessment, and regulatory expectations for a $7.5B or larger bank.
• Demonstrated ability to interpret financial statements, industry risks, collateral structures, and legal documents to assess credit quality.
• Experience with ACL modeling, stress testing, and risk-based capital frameworks is a plus.
• Proven ability to engage with regulators, auditors, and executive leadership on credit risk and loan review matters.
• Strong analytical, leadership, and communication skills, with the ability to present complex credit matters to executive management and the Board.
• CFA, CPA, CRC, or RMA Credit Risk Certification is a plus.
• Demonstrated results-oriented problem solving and decision-making skills.
• Excellent oral, written, and interpersonal communication skills with the ability to instruct others, interpret documents, and write reports and correspondence.
• Excellent organizational and time management skills.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

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 at HR@midlandsb.com.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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Please refer the Job description for details