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Credit Analyst
Wintrust
Northbrook, IL, United States
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Description
A Credit Analyst is responsible for financial analysis and risk assessment of potential borrowers, preparation of credit memoranda to be presented to senior management, and monitoring credit risk within the community lending (small business/business banking) loan portfolio.
This entry level position provides a solid foundation for developing a successful career as a Commercial Banker.
You will work alongside relationship managers, business development managers, portfolio managers, and others in your office to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You also will assist a team of 7 relationship managers with ongoing support of existing clients. Your responsibilities may include:
Qualifications
• Analyzing a company’s financial, operational, and management strengths and weaknesses to minimize capital, balance sheet, and reputation risk
• Representing Wintrust in developing and maintaining relationships with clients
• Actively collaborating with senior relationship managers on underwriting simple and complex transactions for a wide range of companies and individuals
• Underwriting small business/business banking loan transactions.
• Preparing 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
• Reviewing and assisting in negotiating loan agreements and ancillary documents related to a transaction closing
• Understanding client needs and identifying potential cross-sell opportunities for other Wintrust products and services
• Bachelor’s Degree Required (Business, Finance, Economics or Accounting preferred)
• Outstanding academic credentials
• Superior analytical, quantitative, leadership, interpersonal, and written/verbal communication skills
• Excellent computer skills
• 1-3 years of credit analysis experience, completion of formal credit training program preferred.
• Active involvement and leadership in extracurricular activities. Previous volunteerism or community service a significant plus
Wintrust is an Equal Opportunity Employer: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability or protected veteran status.