Credit Analyst: Risk Modeling & Cash Flow Expert

American Commercial Bank & Trust; Kendall Township, Northern (IL, KY); Hybrid; USD 60,000 - 75,000; Full time

Job summary

American Commercial Bank & Trust is seeking a Credit Analyst to assess creditworthiness for new and existing clients in Yorkville, IL. The role emphasizes financial statement analysis, cash flow reviews, and collaboration with lenders to support loan decisions.

The ideal candidate has a bachelor’s degree in accounting, finance, economics, or business and 2+ years of credit experience, with strong analytical and quantitative skills, attention to detail, and effective communication across teams in

Qualifications

• Bachelor's degree in accounting, finance, economics, or business.
• Solid understanding of accounting, statistics, and economics.
• 2+ years of previous credit experience desirable.

Responsibilities

• Analyzes and spreads financial statements for new and potential clients in the LoanVantage system.
• Performs cash flow analysis, debt coverage calculations, risk modeling, collateral review, and other quantitative analysis to determine client's credit worthiness.
• Performs background research on client, industry and market trends, and economic forecasting to incorporate into the credit presentation to support analysis.
• Works closely with commercial lenders, commercial associates, and other credit administration staff to verify client and loan information.
• Stays abreast of internal lending and credit policies.
• Assists with internal and external audits and examinations, and client audits.

Skills

Commercial credit analysis

Attention to detail

Analytical thinking

Quantitative skills

Time management

Research and reporting

Decision making

Interpersonal skills

Project management

Education

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

Job description

American Commercial Bank & Trust is seeking a Credit Analyst to assess creditworthiness for new and existing clients in Yorkville, IL. The role emphasizes financial statement analysis, cash flow reviews, and collaboration with lenders to support loan decisions.

The ideal candidate has a bachelor’s degree in accounting, finance, economics, or business and 2+ years of credit experience, with strong analytical and quantitative skills, attention to detail, and effective communication across teams in