Credit Analyst
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.” Why join this team? Great opportunity to work in a small business lending segment Opportunity to create value by providing your innovative ideas You come to join focused, highly collaborative team at a great company
Requirements
- Bachelor’s degree in Finance or related field
- At least 2 years of commercial/small business loans underwriting experience
- At least 3 years of commercial/small business loans underwriting experience if no Bachelor’s degree
- Previous experience with Regulation B
- Excellent analytical and problem-solving skills
- Excellent organizational skills, attention to detail and ability to work in a fast-paced environment
Responsibilities
- Credit review and analysis of new and renew small business loans, including but not limited to calculations of business cash flow, personal cash flow, debit service ratios, etc.
- Analyze and review loans for completeness and other required due diligence
- Present loan decisions in accordance with established procedures and underwriting criteria
- Identify alternative financing options for borrowers that do not qualify for their original requests
- Apply delegated credit authorities per policies and procedures
- Work closely and provide support to Relationship Managers to help build strong relationships with customers
- Other duties as directed
Benefits
- Medical Insurance
- Dental
- Vision
- Life insurance
- Accidental death and dismemberment
- Short-term and long term Disability Insurance
- Parental Leave
- Employee Assistance Program (EAP)
- Traditional and Roth 401(k) with company match
- Flexible Spending Account (FSA)
- Employee Stock Purchase Plan at 5% discount
- Critical Illness Insurance
- Accident Insurance
- Transportation and Commuting Benefits
- Banking Benefits
- Pet Insurance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
