Senior Credit Analyst: Complex Underwriting & CRE/Agri

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

Benefits offered by this job

Medical benefit package

401k with company match and profit分享

Job summary

Stillman Bank in Illinois is seeking a Credit Analyst III to underwrite complex commercial credit relationships with minimal supervision. You will assess repayment capacity, structure credit facilities, and monitor material risks across commercial real estate, operating businesses, and agriculture.

The role serves as a technical resource, mentors Credit Analysts I and II, and presents well-supported recommendations to approvers.

Qualifications

• Bachelor’s degree in accounting, finance, economics, business, or related field.
• Minimum of five years of commercial credit analysis or underwriting experience.
• Thorough knowledge of accounting principles, financial statements, tax returns, related entity structures, global cash flow, guarantor analysis, and loan documentation concepts.
• Advanced analytical skills in financial modeling, projections, stress testing, collateral evaluation, risk ratings, and loan structuring.
• Strong writing, presentation, and interpersonal skills; ability to defend credit conclusions and explain recommendations.
• Proficiency in Microsoft Excel, Word, Outlook, and credit analysis software; experience with Abrigo or similar systems.
• Demonstrated ability to mentor analysts and coordinate complex assignments with minimal supervision.

Responsibilities

• Lead complex underwriting requests, renewals, modifications, and annual reviews from information gathering through presentation.
• Analyze financial statements, tax returns, and ownership structures; reconcile related entity transactions and adjustments.
• Evaluate primary and secondary repayment sources and guarantor liquidity; develop projections and downside scenarios.
• Assess collateral quality, marketability, and coverage; review appraisals and environmental reports.
• Integrate management quality, industry conditions, and risks into credit conclusions and communicate with leadership.
• Develop and present credit recommendations to approvers and committees with terms, covenants, and monitoring plans.
• Monitor high-risk relationships through covenant testing and portfolio reviews; support restructuring analyses.
• Mentor analysts, provide feedback, and develop training materials.

Skills

Advanced financial analysis

Credit underwriting

Mentoring colleagues

Financial modeling

Presentation skills

Education

Bachelor’s degree in accounting, finance, economics, business, or related field

Tools

Abrigo or equivalent

Excel

Credit analysis software

Job description

Stillman Bank in Illinois is seeking a Credit Analyst III to underwrite complex commercial credit relationships with minimal supervision. You will assess repayment capacity, structure credit facilities, and monitor material risks across commercial real estate, operating businesses, and agriculture.

The role serves as a technical resource, mentors Credit Analysts I and II, and presents well-supported recommendations to approvers.