Credit Analyst, Business Banking

Wintrust provides community and commercial banking specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois southwestern Florida northwestern Indiana west Michigan and southern Wisconsin and commercial banking offices in Chicago Denver Milwaukee Grand Rapids Mich. and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont Illinois and listed on the NASDAQ Global Select Market under the symbol WTFC.

Why join us

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 11 years) and Employee Recommended award by the Globe & Mail (past 6 years)

• Competitive pay and annual discretionary bonus eligible

• Comprehensive benefit package including medical dental vision life a 401k plan with a generous company match and tuition reimbursement to name a few

• Family-friendly work hours

• With 175 community bank locations we offer opportunities to grow and develop in your career

• Promote from within culture

The Business Banking Credit Analyst is responsible for analyzing commercial business and/or personal financial data collected for the purpose of issuing extending amending reviewing monitoring and testing commercial credit facilities. Responsibilities include spreading customer financial data assigning risk ratings and completing credit presentations for approval all in compliance with company and regulatory lending guidelines.

What Youll Do

• Analyze commercial credit requests of varying complexity and including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit.

• Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends and presentation to Banks Credit Committee.

• Communicate directly with Relationship and Portfolio Managers as well as customers as needed to allow for timely and efficient underwriting of credit requests.

• Engage in process for completing due diligence relative to real estate related transactions which may include ordering appraisals environmental reports performing internal evaluations and collateral analyses.

• Responsible for loan monitoring and covenant testing requirements; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.

Qualifications

• Bachelors degree in accounting finance business or economics

• 0-2 years commercial credit/underwriting experience

• Demonstrated analytical and critical thinking skills

• Excellent oral and written communication skills

• Strong organizational and time management skills along with the ability to proactively manage and prioritize workflow

• Proficient in Microsoft Office

Preferred Qualifications

• Familiarity with nCino platform a plus

• Formal Credit training

Benefits

Medical Insurance Dental Vision Life insurance Accidental death and dismemberment Short-term and long-term Disability Insurance Parental Leave Employee Assistance Program (EAP) Traditional and Roth 401(k) with company match Flexible Spending Account (FSA) Employee Stock Purchase Plan at 5% discount Critical Illness Insurance Accident Insurance Transportation and Commuting Benefits Banking Benefits Pet Insurance

Compensation

The estimated salary range for this role is $50000-$77000 along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors such as a candidates qualifications skills and experience.

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From our first day in business Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation including community banking and financial services subsidiaries is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race color religion sex age national origin disability veteran status genetic information and other legally protected categories.