Commercial Credit Analyst

Oak Lawn, IL - USA

Monthly Salary: $ 59000 - 77000

Posted on: 13 hours ago

Vacancies: 1 Vacancy

Job Summary

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 matches and tuition reimbursement to name a few
Family-friendly work hours
Promote from within culture

Beverly Bank & Trust is looking for a Credit Analyst to support the Commercial Lending this role you will work alongside relationship managers portfolio managers and other internal stakeholders to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You will also assist relationship managers with ongoing support of existing clients.

What Youll Do

Evaluate loan requests using a thorough knowledge of loan policy guidelines and procedure
Analyze commercial business and personal financial data collected for the purpose of issuing extending amending reviewing and monitoring commercial credit facilities
Analyze a companys financial operational and management strengths and weaknesses to minimize capital balance sheet and reputation risk
Prepare company annual financial reviews and underwriting memos focusing on a companys leverage key risk factors sources of repayment cash flow and ability to service debt
Prepare financial spreads and covenant tracking as well as ACH portfolio oversight
Prepare commercial real estate analysis to include review of loan structure property analysis market analysis property cash flow to determine ability to service debt covenant compliance and collateral evaluation including evaluation of appraisal reports
Other responsibilities and duties as assigned

Qualifications

Bachelors degree; Business Finance or Accounting major preferred
0-3 years credit analysis experience; completion of formal credit training a plus
Excellent verbal and written communication skills
Strong analytical organization and time management skills with a keen attention to detail

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 $59000-$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.

Required Experience: