Senior Credit Analyst: Commercial & Agribusiness Risk

Sauk Valley Bank; Sterling (IL); On-site; USD 34,000 - 59,000; Full time

Job summary

Sauk Valley Bank is seeking a Commercial and Agribusiness Senior Credit Analyst to evaluate financial statements and cash flows, assess risk, and prepare concise loan recommendations for approval. The role involves detailed analysis, reporting, and collaboration with lenders to support credit decisions.

The position emphasizes compliance with banking regulations, attention to detail, and the ability to manage deadlines in a high-pressure environment.

Qualifications

• Bachelor’s degree in agribusiness, finance or accounting preferred.
• Five years’ experience and/or training in credit analysis or underwriting recommended.
• Experience in commercial and agriculture lending terminology and services.
• Knowledge of state and federal banking compliance regulations.

Responsibilities

• Analyze financial statements, cash flows, and collateral for loan requests.
• Prepare loan memos for approval/denial by loan committees.
• Conduct portfolio and risk analysis and monitor loan performance.
• Collaborate with lenders and other departments on credit recommendations.

Skills

Credit analysis

Financial statement analysis

Excel

Word

Interpersonal skills

Communication

Attention to detail

Problem solving

Analytical thinking

Education

Bachelor’s degree in agribusiness, finance or accounting

Tools

Excel

Word

Job description

Sauk Valley Bank is seeking a Commercial and Agribusiness Senior Credit Analyst to evaluate financial statements and cash flows, assess risk, and prepare concise loan recommendations for approval. The role involves detailed analysis, reporting, and collaboration with lenders to support credit decisions.

The position emphasizes compliance with banking regulations, attention to detail, and the ability to manage deadlines in a high-pressure environment.