23 days old

Commercial Credit Analyst

FNBC Bank and Trust
La Grange, IL 60525
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  • Job Code
    121781405

Are you looking for a new opportunity? We are a community bank headquartered in La Grange, IL hiring a Commercial Credit Analyst. The Credit Analyst researches and analyzes the financial statements and other credit related data of new commercial loan applicants and existing commercial loan customers. The Credit Analyst works collaboratively with the Loan Officer to prepare loan presentations which effectively describe the salient points of the loan transaction and banking relationship and, based on credit policy, recommends risk rating of loan requests and required conditions. The Credit Analyst collects and reviews interim financial reports of existing customer relationships to evaluate compliance with loan documentation requirements and to prepare periodic reports for review by management.

The successful candidate for this position will enjoy a competitive salary and comprehensive benefits package.

ESSENTIAL DUTIES AND RESPONSIBILITIES

  • Spread financial statements and conduct thorough analysis of applications for commercial credit requests and for internal loan review.
  • Calculate debt service coverage analyses and assessments of collateral.
  • Investigate credit records and related financial information.
  • Prepare loan presentations and make recommendations based on financial findings.
  • Demonstrate strong attention to details, follow up and problem solving abilities.
  • Gain an understanding of the Bank's Credit Policy as it relates to lending.
  • Monitor and maintain certain collateral records and update borrowing base calculations.
  • Performs other duties as assigned.



POSITION REQUIREMENTS

  • Strong communications skills, both written and verbal.
  • Knowledge of financial statements and general accounting.
  • Strong computer proficiency Windows and Microsoft Word/Excel
  • Detail oriented with a strong commitment to accuracy.
  • Exceptional analytical ability and a problem-solving mindset.
  • Good organizational skills.
  • Ability to meet established deadlines.
  • Ability to handle multiple tasks simultaneously.

EDUCATION AND EXPERIENCE

  • Bachelors Degree in Finance or Accounting

PHYSICAL ABILITIES REQUIRED

  • The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Ability to sit and work at a computer for long periods of time.
  • Ability to answer and talk on the phone displaying professionalism at all times.
  • Specific vision abilities required by the job include close vision, distance vision, and ability to adjust focus.
  • Some physical lifting and moving of storage boxes up to 15 pounds may also be necessary.
  • Occasional travel to other offices and customer locations and/or weekend work will be required from time to time.

FNBC Bank & Trust's Equal Employment Opportunity Policy:

FNBC Bank & Trust is an equal opportunity employer and does not discriminate against any applicant or employee on the basis of race, religion, color, ancestry, gender, age, national origin, disability, marital status, honorable discharge from military, parental status, source of income, housing status, sexual orientation/gender identity, citizenship or any other legally protected status in accordance with applicable local, state and federal law. No one will be retaliated against in any manner for exercising his/her rights under law or under this policy.



PI121781405
Posted: 2020-07-21 Expires: 2020-08-22

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Commercial Credit Analyst

FNBC Bank and Trust
La Grange, IL 60525

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