Credit Analyst, Business Banking (Finance)
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 us?
An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 11 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 You'll 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 Bank's 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
Bachelor's degree in accounting, finance, business or economics
0-2 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 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
Compensation
The estimated salary range for this role is $50,000-$77,000, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate's qualifications, skills and experience.
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From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.
