Commercial Credit Analyst

Wintrust Financial Corp.•Oak Lawn, IL

34d•$59,000 - $77,000

About The Position

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol "WTFC." Beverly Bank & Trust is looking for a Credit Analyst to support the Commercial Lending team. In this role, you will work alongside relationship managers, portfolio managers, and other internal stakeholders to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You will also assist relationship managers with ongoing support of existing clients.

Requirements

Bachelor's degree; Business, Finance, or Accounting major preferred
0-3 years' credit analysis experience; completion of formal credit training a plus
Excellent verbal and written communication skills
Strong analytical, organization, and time management skills with a keen attention to detail

Responsibilities

Evaluate loan requests using a thorough knowledge of loan policy, guidelines, and procedure
Analyze commercial, business, and personal financial data collected for the purpose of issuing, extending, amending, reviewing, and monitoring commercial credit facilities
Analyze a company's financial, operational, and management strengths and weaknesses to minimize capital, balance sheet, and reputation risk
Prepare company annual financial reviews and underwriting memos focusing on a company's leverage, key risk factors, sources of repayment, cash flow, and ability to service debt
Prepare financial spreads and covenant tracking as well as ACH portfolio oversight
Prepare commercial real estate analysis to include review of loan structure, property analysis, market analysis, property cash flow to determine ability to service debt, covenant compliance, and collateral evaluation including evaluation of appraisal reports
Other responsibilities and duties as assigned