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VP, Credit Underwritting Manager

Posted: 04/21/2024

Midwest BankCentre is proud to be recognized as one of St. Louis’ Top Workplaces for 2021, 2022 and 2023!    

About Midwest BankCentre

Midwest BankCentre is a values-based bank that has been a mainstay of St. Louis community banking since 1906. Our purpose is to help regional communities thrive by creating the conditions to help Main Street, marginalized communities and multicultural markets live into their full potential.  We work to empower people, enable business and energize neighborhoods through the strength of our financial services, including personalized consumer and business banking, business cash management, mortgage lending, home equity loans, financial planning and investments, insurance and digital banking.

We are committed to making meaningful, long-term investments in communities that lift everyone up so we can all RISE TOGETHER.  Our commitment to shared prosperity, our investment in Community and Economic Development and our dedication to diversity and inclusion are reflected is the ways Midwest BankCentre lives its purpose.  A few more facts about Midwest BankCentre:

  • We are ranked as one of the top employers in the region because of our commitment to our team members and the communities we serve.
  • We rank among the St. Louis Region’s largest locally owned banks.
  • We have 16 locations throughout Missouri and Illinois, including the City of St. Louis and St. Louis, St. Charles, Jefferson, and St. Clair Counties.
  • We have state of the art online and mobile banking platforms that allow us to meet customers where they are to help them get to where they want to be.
  • We foster a culture that supports your success and professional growth.

Objectives of this Role

This position reports to the EVP Chief Credit Officer and is responsible for workflow management and interaction between the credit department and commercial lenders. The VP Credit Underwriting Management manages a team of analysts, ensuring efficient resource allocation, quality work product, and team development, supports teams’ underwriting of credit approval requests for both prospective and existing clients, and works with relationship managers to accurately evaluate and structure loan requests in accordance to prudent underwriting standards.

Essential Functions

  • Responsible for supervision of subordinate staff within the department.
  • Responsible for evaluating credit analyst performance, developing their abilities, and improving their output.
  • Utilize strategic planning skills to develop and execute effective pipeline management, to ensure timely preparation of credit requests.
  • Facilitate the collaboration between underwriting and lending to ensure accuracy, structural soundness and timeliness of credit proposals.
  • Review and maintain ownership over team work quality, accuracy and production levels.
  • Work with analysts and loan officers to review incoming financial statements on existing customers, financial spreads, loan structure and facilitating the communication of any concerns with the lending and credit leadership.
  • Ensure all transactions either conform to the loan policy or ensure all policy exceptions are disclosed in the credit proposal.
  • Own and develop bank resources and departmental training to maintain and improve core credit fundamentals and competencies in credit topics.
  • Establish and maintain positive working environment and relationships with effective communication with internal and external business partners.
  • Participate in establishment and refinement of processes, procedures, and systems in support of the origination, underwriting, and servicing of business purpose loans.
  • Assume responsibility for gathering and preparing monthly Executive Loan Committee minutes and credit proposals for the Board Loan Committee.

Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities are as required and may change at any time with or without notice.


  • Leadership: Provide leadership including business engagement and core responsibilities. Collaborate with business leaders to create a robust and consistent credit risk process with sound quality measures.
  • Credit Risk Management: Apply business knowledge to build an efficient credit risk management process that combines assessment, reporting, monitoring and communication.
  • Collaboration: Communicate with other Credit Administration Management and Credit Portfolio Management leaders, Commercial Banking business leaders. Developing, implementing and integrating best practices in a collaborative manner.

Leadership Competencies

  • Social Intelligence: Strong understanding of social situations and dynamics, and ability to operate effectively in a variety of social situations.
  • Emotional Intelligence: Ability to communicate at the emotional level, understand emotions and emotional situations.
  • Decision Making: Ability to make good decisions and knowing when to consult subordinates or peers and bring them into the decision-making process, and when it’s time to step back and let others decide.
  • Process Improvement: Provide direction on the analysis, selection, and implementation of continuous process improvement practices.
  • Partnership: Proactively develop and expand deep relationships within Commercial Banking. Utilizing established continuous feedback loop in gathering both experience-based and measurable responses.
  • Team member development and training: Partner with available resources and current managers in the creation of a comprehensive process focused on training, career development, and talent acquisition.

Skills and Qualifications

  • Bachelor's Degree in finance, accounting or another business-related field from an accredited college or university required and related training, such as Commercial Bank Lending School (or similar program).
  • Experience required: 6-10 years commercial lending and/or a credit administration position including underwriting and assessment of credit requests.
  • Advanced financial and risk analysis understanding necessary to analyze complex credit data and financial statements to determine the degree of risk involved in extending credit.
  • Advanced knowledge of Bank lending policies, as well as strong knowledge of Federal and State compliance and regulatory requirements.
  • Excellent oral and written communication skills.
  • Wolters Kluwer CASH Suite or similar financial analysis software.
  • Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.

Physical Demands

  • The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
  • Extensive reading and computer use is expected more than 50% of the time. Receiving detailed information verbally, in person, in writing, and by telephone is essential.
  • Physical and mental ability to perform the essential functions of the job as listed.
  • Able to regularly stand or sit for prolonged periods of time.
  • Able to verbally communicate effectively with others.
  • Able to legally operate an automobile in order to perform external real estate collateral inspections and other duties as assigned.
  • Regular attendance is necessary and essential to this position.

Don’t meet every single requirement? Studies have shown that women and people of color are less likely to apply for jobs unless they meet every listed qualification. Midwest BankCentre is recognized nationally for its Diversity, Equity, and Inclusion practices and embraces these practices as a competitive advantage.   

If you’re excited about this role but your experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be the right candidate for this or other Midwest BankCentre roles!  

AAP/EEO Statement

An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. 

We thank all applicants in advance for their interest in this position and Midwest BankCentre. Only applicants selected for an interview will be contacted.


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