Senior Credit Analyst — Complex Underwriting & Leadership

Stillman Bank; Illinois; Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life / AD&D Insurance

Long-term Disability

Short-term Disability

401k / Roth with match

Profit Sharing

Vacation, flex time

Birthday day off

Volunteer time off

Holiday pay

Job summary

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial credit relationships and mentor junior analysts. The role covers CRE, operating businesses, and agricultural credits, with escalation to Credit Manager for major issues. The position is hybrid or in-office across IL locations.

You will develop credit structures, analyze financial statements, evaluate collateral, and present well-supported recommendations to designated approvers and committees.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience.
• 5+ years of commercial credit analysis or underwriting experience.
• Strong knowledge of accounting principles, financial statements, tax returns, and loan docs.
• Advanced analytical skills in modeling, stress testing, collateral evaluation, and risk ratings.
• Excellent written and verbal communication; defend credit conclusions clearly.
• Proficiency with Excel, Word, Outlook; experience with Abrigo or similar.

Responsibilities

• Lead complex underwriting requests, renewals, and annual reviews from data gathering to presentation.
• Analyze financial statements, tax returns, ownership structures, and related entities.
• Evaluate cash flow, guarantor liquidity, and projections; test key assumptions.
• Assess collateral quality, including bases, receivables, inventory, and appraisals.
• Develop and present credit recommendations to approvers and committees.
• Mentor Analysts I and II; review work and provide training materials.

Skills

Credit analysis

Financial modeling

Underwriting

Mentoring

Communication

Education

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

Tools

Abrigo

Credit origination systems

Excel

Word/Outlook

Job description

Stillman Bank is seeking a Credit Analyst III to independently underwrite complex commercial credit relationships and mentor junior analysts. The role covers CRE, operating businesses, and agricultural credits, with escalation to Credit Manager for major issues. The position is hybrid or in-office across IL locations.

You will develop credit structures, analyze financial statements, evaluate collateral, and present well-supported recommendations to designated approvers and committees.