at Wintrust Financial Corporation in Oak Lawn, 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 matches 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
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.
What Youll Do
-
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 companys 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 companys 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
Qualifications
-
Bachelors 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
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)...
Equal Opportunity Employer - minorities/females/veterans/individuals with disabilities/sexual orientation/gender identity
