A Forbes Best Employer with more than $40 billion in assets and serving more than 900,000 customers, MidFirst Bank is the largest privately owned bank in the country. As a family owned bank, MidFirst has established many customer relationships that have spanned decades and generations. We are committed to continuously providing an exceptional culture creating an energizing and supportive employee experience while delivering extraordinary customer service. We are seeking strong leaders and individuals that will provide exceptional banking experiences to our customers!
Credit Review Function
Independent, ongoing Credit Review of a bank’s loan portfolio is a critical line of defense within a bank’s risk management framework. Through written analysis of loan relationships, assessment of underwriting and appraisal accuracy and reasonableness, and continuous monitoring of the portfolio through meeting participation and analytical reports; Credit Review can ensure that loan risk ratings are timely and accurate, provide early identification of negative risk trends, and communicate issues and process improvement recommendations to senior & executive management.
Credit Review Analyst Responsibilities
Written, independent analysis of commercial real estate, C&I, and other loan relationships of varying size and complexity:
Ensuring timely risk rating accuracy of relationships reviewed.
Identifying changes in trends or credit risk profiles.
Providing independent assessment of a relationship’s credit quality, and assumptions made in underwriting and appraisals.
If necessary, providing additional underwriting scenarios or projections using updated assumptions.
Understand applicable credit policy, laws, and regulations – then opine on the appropriateness of exceptions made to credit policy (along with any mitigating factors).
Through meeting attendance and credit portfolio reporting, continuously monitor segments of the overall credit portfolio – identifying trends or areas of risk worthy of further review.
Perform credit review due diligence on potential merger & acquisition loan portfolios.
Communicate credit trends and recommended process improvements to senior & executive management.
Position Requirements
Bachelor’s degree in finance, accounting, or related business degree with a minimum cumulative GPA of 3.0 (3.25 or higher preferred). Will consider a Bachelor’s degree in a non-business related field with requisite underwriting or credit review experience.
Minimum 1-3 years’ experience in commercial underwriting, credit review, lending, or related fields.
Completion of a formal credit training program is a plus, but not required.
Understand financial ratios, financial analysis, and accounting principles.
Understand UCC and loan documentation concepts.
Demonstrated analytical and critical thinking ability.
Excellent verbal and written communication skills.
Proficient in Microsoft Word, Excel, Access, and other software products.
Position requires a minimum of 3 years of relevant US based experience.
*Must reside within a 60 mile radius to be considered.
Equal Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis 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.
Top Skills
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.
