Director - Loan Review

Salary Range: $125000$175000

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 shortterm incentives (i.e. bonus and/or commission) and may include longterm incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare wellbeing 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 NonQualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

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 seniorlevel insights and datadriven 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 riskadjusted returns while maintaining prudent lending practices.

Primary Accountabilities

People

• Manages a team of professionals in a customercentric culture to excel in a fastpaced environment.
• Coaches develops and conducts performance management activities with direct and indirect reports.
• Identifies highpotential employees for advanced training and development opportunities.
• Effectively manages poor performers.

Loan Review Strategy and

• Leads the Loan Review function to ensure it operates as a forwardlooking riskbased and strategic function that provides meaningful insights to business leaders.
• Oversee independent loan portfolio reviews ensuring a riskfocused approach covering commercial consumer residential home equity and lease portfolios.
• Develop and execute a comprehensive Loan Review plan approved annually by the CRO and Board Committees to assess credit trends underwriting effectiveness and portfolio concentrations.
• Assess and challenge risk ratings ensuring appropriate risk classification and adherence to credit policy loan structuring best practices and collateral protection.
• Identify early warning indicators of credit deterioration or trends in the banks lending that could increase risk and recommend proactive measures to mitigate potential risks.
• Develop and present quarterly loan portfolio review reports with insights on credit trends industry shifts and regulatory considerations to bank and Board Committees.
• Prepares periodic reports and presentations for line management and Board Committees.
• Engage with regulators auditors and internal stakeholders providing transparency and insights on the effectiveness of credit risk management practices.
• Collaborate with Credit and other business units to enhance loan underwriting approval monitoring and problem loan management processes.
• Assess new and emerging risks in the lending environment recommending changes to credit policies loan structuring risk appetite and credit portfolio diversification strategies.
• Ensure regulatory compliance with federal and state credit and lending regulations.
• Manage and mentor a highperforming team ensuring continuous professional development and knowledgesharing across the organization.
• The role requires occasional travel for training and team meetings and willingness to travel periodically to locations within market as needed.
• Requires work in a Midland office to ensure collaboration and support of internal and external customers.
• Maintain compliance with all applicable regulations including but not limited to the Bank Secrecy Act (BSA).
• Other duties as assigned.

Position Qualifications

Education/Experience:

• Bachelors degree in finance accounting economics and/or equivalent experience.
• Masters 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 riskbased 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 resultsoriented problem solving and decisionmaking 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 nonstandardized 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. Were 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 preemployment testing or otherwise participating in the employee selection process please direct your inquiries to Midland States Bank Human Resources at .

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT