Credit Analyst - Business Banking - 24739

at Wintrust Financial Corporation in Rockford, Illinois, United States

Job Description

Wintrust is a financial holding company with approximately $50 billion assets under management and traded on the NASDAQ:WTFC. Built on the "HAVE IT ALL" model, Wintrust offers sophisticated technology and resources of a large bank while focusing on providing service-based community banking to each and every customer. Wintrust operates fifteen community bank subsidiaries with over 170 banking locations in the greater Chicago and southern Wisconsin market areas. Additionally, Wintrust operates various non-bank business units including commercial and life insurance premium financing, short-term accounts receivable financing, out-sourced administrative services, mortgage origination and purchase, wealth management services and qualified intermediary services for tax-deferred exchanges.

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years)

• Competitive pay and annual discretionary bonus eligible

• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few

• Family-friendly work hours

• With 175+ community bank locations, we offer opportunities to grow and develop in your career

• Promote from within culture

The Business Banking Credit Analyst is responsible for analyzing commercial, business, and/or personal financial data collected for the purpose of issuing, extending, amending, reviewing, monitoring, and testing commercial credit facilities. Responsibilities include spreading customer financial data, assigning risk ratings, and completing credit presentations for approval, all in compliance with company and regulatory lending guidelines.

What Youll Do

• Analyze commercial credit requests of varying complexity and including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit.

• Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends and presentation to Banks Credit Committee.

• Communicate directly with Relationship and Portfolio Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests.

• Engage in process for completing due diligence relative to real estate related transactions, which may include ordering appraisals, environmental reports, performing internal evaluations, and collateral analyses.

• Responsible for loan monitoring and covenant testing requirements; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.

Qualifications

• Bachelors degree in accounting, finance business or equivalent experience

• Minimum 2 years commercial credit/underwriting experience

• Demonstrated analytical and critical thinking skills

• Excellent oral and written communication skills

• Strong organizational and time management skills along with the ability to proactively manage and prioritize workflow

• Proficient in Microsoft Office

Preferred Qualifications

• Familiarity with nCino platform a plus

• Formal Credit training

Benefits

Medical Insurance Dental Vision Life insurance Accidental death and dismemberment Short-term and long-term Disability Insurance Parental Leave Employee...

Equal Opportunity Employer - minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity