Senior Credit Analyst: Commercial Lending & Risk
ABOC
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Benefits offered by this job
Job summary
ABOC in Chicago seeks a Credit Analyst to analyze financial statements, prepare loan documentation, and assist in underwriting commercial real estate and commercial loans. You will support lending officers, review appraisals, and coordinate with clients and third parties to ensure timely closings.
The ideal candidate has 3–5 years in commercial banking with strong financial analysis and proficiency in Excel and Microsoft 365.
Qualifications
- Bachelor’s degree in Finance, Accounting, Business, or related field.
- 3–5 years of experience in commercial banking or credit analysis.
- Strong financial analysis, organizational, and communication skills.
- Proficiency in Microsoft Excel and Microsoft 365 tools.
Responsibilities
- Analyze financial statements, tax returns, and cash flow to assess creditworthiness of commercial and union-related borrowers
- Prepare credit memoranda, commercial loan presentations, and other materials for internal meetings and approvals
- Assist in structuring loan requests and identifying risks and mitigating factors
- Order and review appraisals, credit reports, title work, and other due diligence materials
- Coordinate with lenders, Loan Operations, and third parties to support loan processing, documentation, and closings
- Monitor loan portfolios for covenant compliance, financial reporting, maturities, and past due activity
- Maintain accurate credit files, collateral records, and tracking systems (ticklers/reporting)
- Communicate with clients and relationship managers to collect financial information and support ongoing relationships
- Prepare portfolio reports, watch lists, and other internal management reporting
- Ensure compliance with bank policies, regulatory requirements, and industry best practices.
Skills
Education
Tools
Job description
ABOC in Chicago seeks a Credit Analyst to analyze financial statements, prepare loan documentation, and assist in underwriting commercial real estate and commercial loans. You will support lending officers, review appraisals, and coordinate with clients and third parties to ensure timely closings.
The ideal candidate has 3–5 years in commercial banking with strong financial analysis and proficiency in Excel and Microsoft 365.
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