Credit Analyst

Wintrust•Oak Lawn, IL

11h•Onsite

About The Position

Beverly Bank and Trust is looking for a Credit Analyst to support our lending team. You will work alongside relationship managers, business development managers, portfolio managers, and others to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You also will assist relationship managers with ongoing support of existing clients.

Requirements

Bachelor’s degree in business, finance, accounting, or related major
Up to 3 years’ credit analysis experience
Excellent verbal and written communication skills
Strong analytical, organizational, and time management skills with a keen attention to detail

Nice To Haves

formal credit training is a plus

Responsibilities

Evaluate business banking loan requests using a thorough knowledge of loan policy, guidelines, and procedures
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