Commercial Banking Trainee

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.

Commercial Banking Trainee

12 Month Developmental Program

Salary Range: $55000 - $65000

Position Summary

The Commercial Banking Trainee is a structured development role assigned to the Commercial Development Program at Midland States Bank. The Commercial Banking Trainee will participate in a 12-month full-time development program focused on building deep credit expertise and foundational relationship banking skills. The role offers high-potential candidates the opportunity to learn the business from the inside outstarting in Credit and evolving into client-facing work alongside experienced commercial bankers. Successful graduates of the program are expected to transition into a production role within Commercial Banking.

Primary Accountabilities

Phase 1: Credit Immersion (Months 19)
Participants will work under the direct supervision of the Credit Department following a structured credit training curriculum.

Key experiences include:

• Analyzing borrower financials and assessing risk
• Preparing credit memos and participating in loan committee processes
• Monitoring covenants and managing ongoing credit reporting
• Gaining exposure to C&I and CRE lending fundamentals
• Building the foundation for sound credit judgment and decision-making

Phase 2: Sales Readiness & Cross-Functional Exposure (Months 1012)
Participants will rotate through Midlands core banking functions and begin preparing for client-facing responsibilities.

Key experiences include:

• Shadowing with business partners such as Wealth Advisors treasury sales professionals and Banking Center Managers loan documentation and funding specialists etc.
• Participating in joint prospect/client calls with Commercial Relationship Managers
• Practicing pre-call planning and Midlands team-based sales approach The V
• Completing 10 sales calls and developing comfort with lead generation follow-up and rejection

Other

• The role requires occasional travel for training and team meetings and willingness to travel periodically to locations within market as needed.
• May require 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 economics or business preferred or related field or equivalent combination of education training and experience.
• Open to recent graduates early career professionals or individuals seeking transition into commercial banking.
• Internal candidates with experience in retail banking credit analysis or other support roles are also encouraged to apply.
• Strong communication skills verbal and written.
• Coachability resilience and curiosity.
• Basic knowledge of financial statements or demonstrated aptitude to learn quickly.
• Comfort with ambiguity and initiative to seek out learning experiences.
• Relationship-first mindset and client service orientation.
• Willingness to engage in business development and hear no with grace.
• Desire and ability to grow into a full-time sales role upon graduation.

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

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 .

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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 pre-employment 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