Commercial Credit Analyst (Greater Chicago Area)

Albank; United States; Vor Ort; USD 70.000 - 90.000; Vollzeit

Benefits dieser Stelle

401(k)

401(k) matching

Dental insurance

Employee assistance program

Flexible spending account

Health insurance

Life insurance

Paid time off

Tuition reimbursement

Vision insurance

Zusammenfassung

Albank in Chicago, IL seeks a motivated credit professional to prepare loan presentations and thoroughly review customer files for commercial and CRE loans. You will analyze cash flow, assess credit risk, and support loan committee decisions while ensuring collateral and documentation accuracy.

The role emphasizes data extraction, risk management, and compliance with banking regulations, with responsibilities spanning portfolio quality and client communication.

Qualifikationen

• Bachelor’s degree in Finance, Accounting, or related field.
• At least 2 years of professional office experience.
• Strong proficiency with Microsoft Office, especially Excel and PowerPoint.
• Familiarity with Fiserv banking software is preferred.
• Highly organized, detail oriented, with strong communication skills.
• Maintains judgement, discretion, and confidentiality in banking.
• Knowledge of banking industry regulations.

Aufgaben

• Extract data from financial documents to provide cash flow analysis and commentary.
• Identify, evaluate, and mitigate credit risk of the loan portfolio.
• Assess credit quality with risk rating recommendations.
• Prepare loan presentations of a high quality for review in loan committee.
• Assist with determining collateral values and collateral inspections.
• Assist in credit administration duties including tracking covenants.
• Ensure compliance with bank, state, and federal policies, procedures, laws, and regulations.
• Work with account officers to collect information for credit requests.
• Manage loan and portfolio quality of an existing book of business.

Kenntnisse

Credit Analysis/Underwriting Cash Flow

Evaluating Value of Real Estate

Creating Loan Approvals

Loan Review

Dealing with problem loans

Knowledge of Loan Documentation

Customer Service

Bank Compliance

Ausbildung

Bachelor’s Degree in Finance, Accounting, or related field

Tools

Microsoft Office (Excel, PowerPoint)

Internet

Mobile software

Fiserv banking software

Jobbeschreibung

About the job

The ideal candidate is a motivated professional with strong credit skills and willingness to working long hours preparing loan presentations and doing thorough reviews of customer files. The position would include working on commercial and commercial real estate loan files, analyzing the overall loan portfolio and providing assistance to loan customers.

Company Description

Albank is Chicago's concierge business bank providing financial services with a personal touch to commercial real estate clients, business owners, and community professionals. Established in 1953, Albank maintains a high rating and solid financial condition, offering confidence to clients working with a secure bank.

Member FDIC.

DUTIES AND RESPONSIBILITIES

• Extract data from financial documents to provide accurate cash flow analysis and commentary
• Identify, evaluate, and mitigate credit risk of the loan portfolio
• Assess credit quality with risk rating recommendations
• Prepare loan presentations of a high quality for review in loan committee
• Assist with determining collateral values and assist account officers with collateral inspections
• Assist in credit administration duties including the tracking of tickers and financial reporting covenants
• Ensure compliance with bank, state, and federal policies, procedures, laws, and regulations
• Work with account officers to contact customers and accountants to gather required information and answer questions pertinent to complete credit requests
• Manage loan and portfolio quality of an existing book of business

SUPERVISORY RESPONSIBILITIES

• This job has no supervisory responsibilities

SKILLS AND EXPERIENCE DESIRED

• Credit Analysis/Underwriting Cash Flow
• Evaluating Value of Real Estate
• Creating Loan Approvals
• Loan Review
• Dealing with problem loans and past dues
• Knowledge of Loan Documentation
• Customer Service
• Bank Compliance

ADDITIONAL QUALIFICATIONS

• Bachelor’s Degree in Finance, Accounting, or related field
• 2+ years of professional work experience in an office environment
• Strong proficiency with Microsoft Office (especially Excel and PowerPoint), Internet, and mobile software. Experience with Fiserv banking software, preferred
• Highly organized, detail oriented, has strong communication skills, works independently, takes proactive initiative, prioritizes multiple tasks, and responds quickly
• Maintains judgment, discretion, and confidentiality appropriate to the banking industry
• Knowledge of banking industry and applicable regulatory compliance

Job Type: Full-time

PAY RANGE

• $70,000 - $90,000

BENEFITS

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Tuition reimbursement
• Vision insurance

PHYSICAL DEMANDS AND WORK ENVIRONMENT

• Occasionally required to walk or stand
• Continually required to sit
• Continually required to speak or hear

The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.