Credit Analyst III - Oregon, IL

Stillman Bank Corp NA•Oregon, IL

8h•$70,000 - $95,000•Hybrid

About The Position

The Credit Analyst III is a senior individual contributor who independently underwrites complex commercial credit relationships with minimal supervision. The role evaluates repayment capacity, develops credit structures and recommendations, and monitors material credit risks across commercial real estate, operating businesses, and agricultural credits. The analyst serves as a technical resource, reviews analytical work, and mentors Credit Analysts I and II. Significant policy exceptions and unresolved credit concerns are escalated to the Credit Manager. Loan approval authority requires a separate written delegation. The position is hybrid or in-office and may be based at the Oregon, Roscoe, Stillman Valley, or Rochelle, Illinois offices. Work is performed primarily in a typical office environment and involves extended computer use, reviewing electronic and paper records, and communicating with colleagues and customers. Occasional movement within the office and handling routine office materials are required. Essential functions may be performed with or without reasonable accommodation. This is a salaried, exempt position. The expected hiring pay range is $70,000–$95,000 annually, depending on experience. Stillman Bank offers medical, dental, vision, life and accidental death and dismemberment insurance, long- and short-term disability, a 401(k)/Roth retirement plan with discretionary company-paid matching and profit sharing, and paid time off benefits including vacation, flex (personal) time, a paid birthday day off, paid volunteer time, and holiday pay. Waiting periods may apply.

Requirements

Bachelor’s degree in accounting, finance, economics, business, or a related field, or an equivalent combination of relevant education, training, and experience.
At least five years of commercial credit analysis or underwriting experience, including demonstrated success independently evaluating complex relationships and developing sound credit recommendations.
Thorough knowledge of accounting principles, financial statements, tax returns, related-entity structures, global cash flow, guarantor analysis, and commercial loan documentation concepts.
Advanced analytical skills in financial modeling, projections, stress testing, collateral evaluation, risk ratings, and loan structuring; ability to identify unsupported assumptions and assess combined financial and structural risks.
Strong writing, presentation, and interpersonal skills, including the ability to defend credit conclusions, discuss sensitive issues constructively, and explain recommendations to customers, lenders, management, and committees.
Proficiency in Microsoft Excel, Word, Outlook, and credit analysis software.
Ability to mentor analysts, review work for quality and consistency, and coordinate complex assignments with minimal supervision while meeting deadlines.
Sound judgment, professional integrity, and respect for confidential information.
Thorough knowledge of credit policies and applicable lending requirements, with the ability to recognize and escalate matters beyond assigned authority.

Nice To Haves

Experience with Abrigo or comparable financial spreading and loan origination systems.

Responsibilities

Lead assigned complex underwriting requests, renewals, modifications, and annual reviews from information gathering through presentation, coordinating with lenders, customers, and advisors to resolve questions and meet deadlines.
Analyze complex financial statements, tax returns, and ownership structures; reconcile related-entity transactions, distributions, nonrecurring items, and contingent liabilities; validate financial spreads and document adjustments and reporting limitations.
Evaluate primary and secondary repayment sources, including business, personal, and global cash flow; assess guarantor liquidity and capacity; develop projections and downside scenarios.
Assess collateral quality, marketability, and coverage, including borrowing bases, receivables, inventory, equipment, appraisals, and environmental reports; evaluate due diligence findings and coordinate technical questions with qualified reviewers.
Integrate management quality, industry conditions, market trends, concentrations, and structural risks into credit conclusions; serve as a resource for assigned industries or credit types and communicate emerging risks to credit leadership.
Develop and present supported credit recommendations to designated approvers and committees; recommend terms, repayment schedules, covenants, collateral, guaranties, and monitoring requirements, and explain exceptions, alternatives, and residual risks.
Recommend and substantiate risk ratings, including rating changes and criticized credit designations; resolve analytical differences through documented discussion and promptly escalate material concerns to the Credit Manager.
Monitor assigned complex and higher-risk relationships through financial reviews, covenant testing, and exception analysis; recommend corrective action or enhanced monitoring and support problem-loan and restructuring analysis under management direction.
Perform assigned quality reviews of analysts’ spreads, cash flow models, risk ratings, and credit presentations; provide feedback, follow up on corrections, coach Credit Analysts I and II, and develop training materials.
Prepare portfolio analyses, stress testing, and management summaries as assigned; support independent loan review, audits, and examinations through accurate records, explanations, and follow-up on findings related to assigned work.
Lead assigned process or system improvements and recommend underwriting procedure updates; apply Bank policies and compliance requirements, protect confidential information, maintain objective credit judgment, and perform other assigned credit administration duties.
Take minutes for the Loan Administration Committee and Senior Loan Committee on a rotating basis with other Credit Analysts.
Prepare monthly reports for the Loan Risk Management Committee and Directors Loan Committee.