Senior Commercial Credit Underwriter & Deal Architect

Stillman Bank; Rochelle (IL); Hybrid; USD 70,000 - 95,000; Full time

Job summary

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial relationships in a hybrid/office setting across multiple IL offices including Rochelle. The role analyzes cash flows, guarantor capacity, and collateral, escalating issues when needed.

The candidate will mentor junior analysts, develop credit structures, and present recommendations to committees, with loan approval delegated as appropriate.

Qualifications

• Bachelor’s degree in accounting, finance, economics, business, or related field.
• At least five years of commercial credit analysis or underwriting experience.
• Strong knowledge of accounting principles, financial statements, tax returns, and loan documentation concepts.
• Advanced analytical skills in financial modeling, projections, stress testing, collateral evaluation, risk ratings, and loan structuring.
• Excellent writing, presentation, and interpersonal abilities.

Responsibilities

• Lead complex underwriting requests from data gathering to presentation.
• Analyze financial statements, tax returns, and ownership structures.
• Evaluate primary and secondary repayment sources and guarantor liquidity; model scenarios.
• Assess collateral quality, marketability, and coverage; coordinate appraisals and due diligence.
• Integrate industry conditions and risks into credit conclusions; mentor analysts.
• Develop and present credit recommendations; negotiate terms and monitoring requirements.
• Recommend risk ratings and escalate material concerns to Credit Manager.
• Monitor high-risk relationships through covenant testing and reviews; support restructuring.
• Review analysts’ spreads, cash flow models, and risk ratings; provide coaching.
• Prepare portfolio analyses, stress testing, and management summaries.
• Lead process improvements; ensure policy compliance and confidentiality.
• Take minutes for Loan Administration Committee and Senior Loan Committee.
• Prepare monthly reports for Loan Risk Management and Directors Loan Committees.

Skills

Analytical skills

Credit underwriting

Financial modeling

Written & verbal communication

Mentoring others

Decision making

Education

Bachelor's degree in accounting/finance/economics/business

Tools

Microsoft Excel

Word

Outlook

Abrigo

Credit analysis software

Job description

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial relationships in a hybrid/office setting across multiple IL offices including Rochelle. The role analyzes cash flows, guarantor capacity, and collateral, escalating issues when needed.

The candidate will mentor junior analysts, develop credit structures, and present recommendations to committees, with loan approval delegated as appropriate.