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Commercial Credit Analyst

Allied First Bank Oswego ,IL
  • Expired: over a month ago. Applications are no longer accepted.
Job Description

Position: Commercial Credit Analyst

Location: 3201 Orchard Road Oswego, IL

Deadline: June 5th 2020



The primary focus of a Commercial Credit Analyst is providing a written presentation of interpreting and analyzing business and personal financial statements, tax returns, credit reports, and other information pertinent to the evaluation of a commercial loan request to a Commercial Loan Officer and/or the Commercial Lending Committee. Additionally, a Commercial Credit Analyst completes annual credit reviews, property inspections, and property valuations.

MUST HAVE - 3-years minimum of banking - commercial credit analysis experience.

No Relocation Packages or costs covered.

Essential Functions

  • Interpret and analyze business and personal financial statements, tax returns, credit reports, and other information pertinent to the evaluation of a commercial loan request.
  • Determine profitability, net worth, and the ability for repayment, creating cash flow analysis for all borrowers and guarantors.
  • Generate financial ratios to evaluate members' current financial status, trends, and comparison to industry averages.
  • Assess collateral values and credit risk associated with commercial loan requests. Perform asset verifications and property inspections as needed.
  • Provide a written presentation of the credit request along with risk rating to the Commercial Loan Officer.
  • Perform analysis for annual credit reviews to identify continued creditworthiness.
  • Identify strengths and weaknesses of a business borrower to effectively manage credit exposure.
  • Strong understanding of the core system and all commercial lending software systems.
  • Prepare appraisal reviews and have a general understanding of appraisals.

Key Attributes

  • Oral and written communication skills.
  • Member service focus.
  • Attention to detail and accuracy.
  • Positive attitude that supports a team environment.
  • Dependable and punctual; flexible during peak times.
  • High level of confidentiality.
  • Organizational skills.
  • Self-motivated; ability to work without close supervision.
  • Problem-solving; analysis.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job:

  • Occasionally lift and/or move items over 10 pounds.
  • Remain sedentary (seated) for extended periods of time.

Working Conditions

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.

Travel - Limited travel expected.

Required Education and Experience

  • Bachelor's Degree in Accounting, Finance or Business.
  • 3-years minimum of banking - commercial credit analysis and credit analytical experience.
  • Strong knowledge of asset/liability management and risk analysis.
  • Fluent computer skills in a Microsoft Windows environment. Must include Excel.

Preferred Education and Experience

  • Proficiency in Credit Quest.

Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Allied First Bank

Why Work Here?

Go Ahead, Take Advantage of a BANK for Once! Your Local Community Anti-Big Bank


3201 Orchard Rd. Oswego
Oswego, IL