Commercial Credit Analyst II

Fnbc-Bank-and-Trus; La Grange (IL); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

Hybrid schedule

Full benefits

401(k) with company match

Paid time off

Job summary

FNBC Bank & Trust in La Grange, IL is seeking a Commercial Credit Analyst to support management in making informed credit decisions for existing and potential borrowers.

You will analyze financial statements, assess collateral, and present loan recommendations while adhering to bank policies and regulatory requirements. Join a hybrid-work environment with competitive pay and full benefits; growth opportunities in a friendly, community-focused bank.

Qualifications

• College degree in Finance, Accounting or related field or equivalent background.
• 3+ years of Commercial Credit Analyst experience.
• Strong written and verbal communication skills.
• Strong knowledge of financial statements and general accounting.
• Proficiency with Windows and Microsoft Word/Excel.
• Detail oriented with a commitment to accuracy and deadlines.
• Excellent analytical and problem-solving abilities.
• Strong organizational skills with multi-tasking capability.

Responsibilities

• Spread moderately difficult to complex financial statements and analyze commercial loan requests.
• Calculate debt service coverage and collateral assessments.
• Investigate complex credit records and related financial information.
• Review real estate appraisals and environmental reports.
• Prepare loan presentations and recommendations.
• Monitor borrowing base calculations.
• Contact customers and accountants regarding loan requests.
• Complete special projects as assigned.
• Other duties as assigned.

Skills

Financial statement analysis

Credit analysis

Communication skills

Attention to detail

Organization

Education

College degree in Finance or Accounting

Tools

Windows

Microsoft Word

Microsoft Excel

Job description

Who we are!FNBC Bank & Trust is a full-service community bank with a 100-year history of providing financial services, support, and leadership to our clients and communities throughout the Chicago metropolitan area. We offer a full range of personal banking, commercial banking, lending, and wealth management services. We are locally owned and locally managed, and our independence is a true advantage for our clients. It gives us the flexibility to create tailored solutions that meet specific needs. As a community bank, we also offer our employees a level of personal care and attention you simply won’t find at a larger institution.Located in LaGrange, Illinois, across the street from the historic Stone Avenue train station, our main branch is an easy commute from Chicago and the near-west suburbs via the Metra West BNSF train line and nearby expressways. We also have branch offices in Western Springs and West Chicago. Our Credit department is a close-knit group that works collaboratively with our Loan Officers and Loan Operations teams. We take pride in helping the bank make sound credit decisions to support our customers and their communities.What you will do!You will assist management in making informed credit decisions regarding existing and potential commercial borrowers while adhering to Bank policies, procedures, and best practices, along with all State and Federal rules and regulations.How you will do it!Spread moderately difficult to complex financial statements and conduct thorough analysis of applications for commercial credit requests and for internal loan review.Calculate debt service coverage analyses and assessments of collateral.Investigate moderately difficult to complex credit records and related financial information.Review real estate appraisals and environmental reports.Prepare loan presentations and make recommendations based on financial findings.Monitor borrowing base calculations.Independently contact customers and accountants relative to loan requests.Complete special projects as assigned.Other duties as assigned.Qualifications you will need!College Degree in Finance, Accounting or related field and/ or equivalent background and experience.3+ years of Commercial Credit Analyst experience.Strong communications skills, both written and verbal.Comprehensive knowledge of financial statements and general accounting.Strong computer proficiency – Windows and Microsoft Word/ExcelDetail oriented with a strong commitment to accuracy with the ability to meet established deadlines.Exceptional analytical ability and a problem-solving mindset.Strong organizational skills with the ability to handle multiple tasks simultaneously.What you will get!Competitive salary.Hybrid schedule.Full benefits including but not limited to health insurance, short-term and long-term disability, 401(k) plan with traditional and Roth contributions along with a company match, and generous paid time off programs.Promotional opportunities.An environment where you will be valued as an individual and given the opportunity to grow professionally.Exposure to the senior management team.The expected pay range for this position is $65,000- $95,000 per year based on background and experience. Please note that the pay range provided is a good faith estimate for the position at the time of posting. Actual compensation will be dependent upon factors including but not limited to the individual’s qualifications, experience, knowledge, skills, and abilities. Benefits include: Paid holidays, paid time off programs, parental leave, medical insurance, dental insurance, vision insurance, short-term disability, long-term disability, accidental death and dismemberment insurance, traditional and Roth 401(k) with a company match, employee assistance program (EAP).Our mission is to focus on our customers, help them achieve their financial goals, and to invest in our local communities.FNBC Bank & Trust is an EEO/ AA/ VET/ Disability employer.