Senior Commercial Credit Analyst (CRE or C&I Focus)

BankTalent HQ; Oak Brook (IL); On-site; USD 77,000 - 88,000; Full time

Job summary

Join a thriving community bank that values excellence and offers a supportive culture! As a Commercial Credit Analyst, you'll analyze financial data and assess creditworthiness while collaborating with a dynamic team. This role provides ample opportunities for professional development, making it perfect for someone eager to advance their career while making a meaningful impact. With a comprehensive benefits package and a welcoming environment, this position is an exciting chance to grow and contribute to a growing portfolio. Ready to take the next step in your career?

Benefits

Generous Paid Time Off (PTO)

Health, dental, and vision insurance

Retirement plan with employer matching

Childcare assistance program

Parental leave

Disability insurance

Mental health and wellness benefits

Qualifications

• 5+ years of experience as a Commercial Credit Analyst focusing on C & I loans.
• Strong qualitative analytical skills and excellent communication abilities.

Responsibilities

• Prepare detailed financial analysis to identify potential credit risks.
• Evaluate complex financial statements for credit presentations.
• Mentor less experienced analysts and assist in loan presentations.

Skills

Commercial Credit Analysis

Financial Analysis

Communication Skills

Analytical Skills

Proficiency in MS Excel

Education

Bachelor's degree in Business

Tools

Sageworks Risk Analyst

MS Word

MS Outlook

Job description

Join a thriving community bank with a reputation for excellence and a supportive culture! We're seeking a Commercial Credit Analyst with expertise in either Commercial Real Estate or Commercial & Industrial lending. In this role, you'll analyze financial data, assess creditworthiness, and collaborate with a dynamic team to support our growing portfolio. With ample opportunities for professional development and a welcoming environment, this position is perfect for someone looking to advance their career while making a meaningful impact. Ready to grow with us?

What You'll Do:

1. Responsible for the preparation of quality, detailed financial analysis including cash flow models and collateral evaluations to identify potential credit risks.
2. Evaluate complex financial statements to spread and analyze in order to prepare credit presentations.
3. Mentor and assist in training less experienced commercial credit analysts.
4. Make recommendations in accordance with sound banking practices to minimize risk exposure.
5. Ensure commercial loan requests adhere to bank policies and procedures.
6. Partner with the Commercial Lender, Portfolio Managers, or Team Leader to monitor the loan portfolio.
7. Participate in on-site client meetings with the Commercial Lender, Portfolio Managers, or Team Leader.
8. Review appraisals to ensure compliance with federal regulations and soundness of analysis.
9. Conduct independent research and analyze market conditions to assess collateral values.
10. Maintain the bank's commercial credit tickler system, tracking financial statements, covenants, and customer reporting.
11. Assist in underwriting requests, review loan presentations, and take minutes for loan committees when applicable.
12. Complete special projects as assigned by senior management.

Expectations of the Role:

• Knowledge of finance, accounting, and credit analysis concepts.
• Ability to work in a fast-paced, proactive environment and add value to clients.
• Understanding of small business, middle-market commercial businesses, and owner-occupied real estate.
• Ability to take ownership of personal development and work independently.
• Prepare accurate and timely loan presentations.
• Understand and adhere to the Bank's Lending Policy.
• Maintain professional relationships with customers to enhance the bank's marketing efforts.
• Meet or exceed performance goals.

Who You Are:

• Bachelor's degree in Business, preferably Accounting or Finance.
• At least 5 years of Commercial Credit Analyst experience focusing on C & I loans.
• Strong qualitative analytical skills.
• Excellent communication skills, both oral and written.
• Proficiency in MS Word, Excel, and Outlook.
• Strong organizational skills and internet proficiency.
• Experience with Sageworks Risk Analyst is preferred.

What We Offer:

We are committed to your wellbeing and offer a comprehensive benefits package, including:

• Estimated salary range of $77,500 - $87,500 annually, based on experience and qualifications.
• Generous Paid Time Off (PTO).
• Health, dental, and vision insurance, with FSA and HSA options.
• Retirement plan with employer matching contributions.
• Childcare assistance program.
• Parental leave for primary and secondary caregivers.
• Disability insurance for income security.
• Basic Life and AD&D insurance, with options for additional coverage.
• Mental health and wellness benefits, including Headspace subscription and Employee Assistance Program.