Commercial Credit Analyst

About the job

The information below covers the role requirements, expected candidate experience, and accompanying qualifications.
The ideal candidate is a motivated professional with strong credit skills and willingness to working long hours preparing loan presentations and doing thorough reviews of customer files. The position would include working on commercial and commercial real estate loan files, analyzing the overall loan portfolio and providing assistance to loan customers.  
Company Description
Albank is Chicago's concierge business bank providing financial services with a personal touch to commercial real estate clients, business owners, and community professionals. Established in 1953, Albank maintains a high rating and solid financial condition, offering confidence to clients working with a secure bank.
Member FDIC.
DUTIES AND RESPONSIBILITIES:
Extract data from financial documents to provide accurate cash flow analysis and commentary Identify, evaluate, and mitigate credit risk of the loan portfolioAssess credit quality with risk rating recommendationsPrepare loan presentations of a high quality for review in loan committeeAssist with determining collateral values and assist account officers with collateral inspections Assist in credit administration duties including the tracking of tickers and financial reporting covenantsEnsure compliance with bank, state, and federal policies, procedures, laws, and regulationsWork with account officers to contact customers and accountants to gather required information and answer questions pertinent to complete credit requestsManage loan and portfolio quality of an existing book of business SUPERVISORY RESPONSIBILITIES:
This job has no supervisory responsibilities SKILLS AND EXPERIENCE DESIRED:
Credit Analysis/Underwriting Cash FlowEvaluating Value of Real EstateCreating Loan ApprovalsLoan ReviewDealing with problem loans and past duesKnowledge of Loan DocumentationCustomer ServiceBank Compliance
ADDITIONAL QUALIFICATIONS:
Bachelor’s Degree in Finance, Accounting, or related field2+ years of professional work experience in an office environment Strong proficiency with Microsoft Office (especially Excel and PowerPoint), Internet, and mobile software. Experience with Fiserv banking software, preferredHighly organized, detail oriented, has strong communication skills, works independently, takes proactive initiative, prioritizes multiple tasks, and responds quickly Maintains judgment, discretion, and confidentiality appropriate to the banking industryKnowledge of banking industry and applicable regulatory compliance Job Type: Full-time
PAY RANGE:$70,000 - $90,000
BENEFITS:
401(k)401(k) matchingDental insuranceEmployee assistance programFlexible spending accountHealth insuranceLife insurancePaid time offTuition reimbursementVision insurance
PHYSICAL DEMANDS AND WORK ENVIRONMENT:
Occasionally required to walk or standContinually required to sitContinually required to speak or hear
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time. xzbcwsv Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.