Credit Analyst — Data-Driven Lending & Risk Analysis

American Commercial Bank & Trust; Bristol Township (IL); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical, dental, vision

Life/STD/LTD

401k with company match

ESOP

Paid vacation & holidays

Job summary

American Commercial Bank & Trust, NA in Yorkville, IL is seeking a Credit Analyst to analyze financial data and assess creditworthiness for new and existing clients. You will prepare detailed write-ups and present findings to the Loan Committee.

The role requires strong analytical and quantitative skills, attention to detail, and collaboration with commercial lenders and credit staff. A Bachelor's degree and 2+ years of credit experience are desirable, with a focus on internal controls and

Qualifications

• Bachelor's degree in accounting, finance, economics, or business.
• 2+ years of credit analysis experience desirable.
• Solid understanding of accounting, statistics, and economics.
• Knowledge of commercial credit analysis, market trends and loan procedures.

Responsibilities

• Analyzes and spreads financial statements for new and potential clients.
• Performs cash flow analysis, debt coverage calculations, risk modeling, collateral review.
• Performs background research on client, industry and market trends.
• Works closely with lenders, associates, and credit staff to verify loan information.
• Stays abreast of internal lending and credit policies.
• Assists with audits and examinations.

Skills

Commercial credit analysis

Market trends

Loan procedures

Attention to detail

Analytical skills

Critical thinking

Quantitative skills

Time management

Project management

Research & reporting

Decision making

Interpersonal skills

Customer service

Education

Bachelor's degree in accounting, finance, economics, or business

Job description

American Commercial Bank & Trust, NA in Yorkville, IL is seeking a Credit Analyst to analyze financial data and assess creditworthiness for new and existing clients. You will prepare detailed write-ups and present findings to the Loan Committee.

The role requires strong analytical and quantitative skills, attention to detail, and collaboration with commercial lenders and credit staff. A Bachelor's degree and 2+ years of credit experience are desirable, with a focus on internal controls and