MidFirst Bank, the nation's largest privately owned bank, is seeking an experienced Credit Officer to join its Western Region Commercial Underwriting Department.
This position supports commercial banking teams throughout Arizona, Nevada, and Utah and is responsible for independently underwriting commercial credit requests, identifying transaction risks, and recommending appropriate credit structures. The successful candidate will work closely with Relationship Managers, Credit Administration, and Senior Management while gaining exposure to a diverse mix of industries, borrowers, and transaction types.
The Western Region Commercial Underwriting Department is a collaborative team of experienced credit professionals committed to sound underwriting, thoughtful risk assessment, and exceptional client service.
Primary Responsibilities- Independently underwrite commercial and industrial (C&I) loan requests from initial analysis through final recommendation.
- Partner with Relationship Managers to structure transactions consistent with MidFirst Bank policy and risk appetite.
- Analyze corporate financial statements, tax returns, audited and reviewed financials, and other borrower information to assess repayment capacity and overall creditworthiness.
- Analyze collateral support, appraisals, and related credit documentation.
- Evaluate personal financial information, guarantor strength, and tertiary sources of repayment.
- Prepare concise, well-supported loan approval memorandums for management and approval authorities.
- Identify transaction risks and recommend practical risk mitigation strategies.
- Develop subject matter expertise within specific industries, credit disciplines, or loan products as needed.
- Complete covenant compliance monitoring, and other periodic portfolio management responsibilities, as needed.
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- Five or more years of commercial and industrial (C&I) underwriting experience.
- Strong financial analysis and credit underwriting skills.
- Experience analyzing commercial financial statements, business tax returns, and cash flow.
- Excellent written and verbal communication abilities.
- Ability to manage multiple priorities while maintaining a high degree of accuracy and attention to detail.
- Experience underwriting a variety of commercial credit facilities, including working capital lines, equipment financing, acquisition financing, and owner-occupied real estate transactions.
- Knowledge of commercial loan structures, collateral analysis, and lien perfection.
- Experience with Moody's CreditLens, Moody's Risk Analyst, IBS Insight, FIS, OnBase, BankerInsight, or similar systems.
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree in a business-related field
- Minimum 10+ years of experience in private bank, commercial credit analysis, financial analysis or related functions
- Excellent oral and written communication skills
- Strong PC skills including Microsoft Office products
- Experience with Moody's RiskAnalyst and Buker Taxanalysis or comparable analytical software
MidFirst Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about MidFirst Bank and has not been reviewed or approved by MidFirst Bank.
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Healthcare Strength — Health, dental, and vision coverage are available to eligible full‑time and part‑time employees, with company‑paid long‑term disability and an EAP included. Medical plans through Blue Cross Blue Shield and wellness incentives that can lower premiums are highlighted.
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Retirement Support — A company 401(k) match with a clear formula and a defined vesting schedule provides meaningful retirement support. Eligibility and enrollment timing are specified, reinforcing predictable access to the plan.
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Leave & Time Off Breadth — Paid vacation, paid sick leave, and paid holidays are emphasized, with a paid community service day also referenced. Time‑off offerings are portrayed as generous across materials.
MidFirst Bank Insights
What We Do
MidFirst Bank occupies a rare position within the banking industry. With $41.2 billion in assets, MidFirst Bank is the largest privately owned bank in the country. This combination of size and private ownership provides our customers with a special brand of banking. MidFirst Bank offers a full range of personal, commercial, trust, private banking and mortgage banking products and services. MidFirst is a strong commercial real estate lender and a major servicer of mortgage loans nationally. As a private business ourselves, we understand the unique needs of each business community we serve at each of our locations in Arizona (Phoenix), California (Los Angeles, Orange County, Santa Barbara, San Diego), Colorado (Boulder, Denver, Edwards, Fort Collins), Nevada (Las Vegas), Oklahoma (Oklahoma City, Tulsa, Western Oklahoma), Texas (Dallas, Houston, San Antonio) and Utah (Salt Lake City). Additionally, MidFirst Bank has commercial lending offices in Atlanta, Chicago, Nashville, New York City, Orlando, Raleigh and Southern California. We serve Southern California through 1st Century Bank, a division of MidFirst Bank. We also operate MidFirst Business Credit as a subsidiary of MidFirst Bank. MidFirst Bank provides services that compete with larger banks, while the people and culture truly define the MidFirst Bank difference. MidFirst provides exceptional financial and deeply committed customer service. Team members are loyal in their character, loyal in their personal commitment to customers, and loyal to always doing the right thing. MidFirst customers can always count on working with thoughtful, intelligent, honest professionals who are true to their financial goals. MidFirst Bank is a strong supporter of the communities they serve, investing time and money in important educational, charitable and civic organizations. Copyright © 2025 MidFirst Bank. All rights reserved. Member FDIC. Equal Housing Lender.
