Commercial Banking Credit Analyst
Byline Bank

Job Info

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Why Byline Bank?

We continually innovate our products and seek new ways to improve our services to deliver what our clients need, when they need it.

We are experienced. And, we are excited about how our bank is changing. With a number of locations across the Midwest, we are headquartered right in the heart of it all - in Chicago. This means we make our decisions quickly and locally and won’t keep our customers waiting. As we work to grow the bank, we promise to do it one satisfied customer at a time. Together, we will write the next chapter in the story of our client’s success!

This exciting initiative will allow the right person to make a significant impact to the bottom line! We are a growing financial institution and we’re hoping you can join our team and grow with us.

We are presently searching for a Credit Analyst to become part of our growing team. The Credit Analyst will play a key role in recommending new credit and extensions of credit through research and analysis of financial documents. The successful candidate for this position will enjoy opportunities for growth within our company, as well as a competitive salary and comprehensive benefits package.

Credit Analyst Core Responsibilities -

• Underwriting from start to finish with ability to produce Term Sheets, Approvals and Closing Memos.
• Manage loan renewals, collateral calculations, lapsing insurance policies, and other loan document issues. (Implement default process)
• Interact with clients (Agents/Borrowers) to address routine servicing matters and/or other related issues.
• General monitoring of the loan portfolio, pipeline projection, carrier concentrations, financial weaknesses, and other risks to Bank.
• Assist with Portfolio growth - being proactive with agents / carriers with renewal process to pay annual premiums.
• Review and analyze financial statements including calculating performance ratios and financial covenants.
• Review and analyze third party reports and data as well as complete independent research to analyze market conditions and assess collateral values
• Review and track monitoring requirements for loans within our various portfolios
• Prepare written presentations for credit requests fully assessing and exhibiting the request’s risk profile
• Ensure compliance with established bank policies and procedures
• Provide high-quality customer service in a courteous and professional manner consistent with our company philosophy
• Assist co-workers in cultivating new business relationships
• Cooperatively assist and support other bank activities and complete other projects and requirements as assigned

Desired Skills and Experience -

• Bachelor’s Degree in Finance, Accounting or related field
• Professional experience in banking, real estate, commercial or retail finance desirable but not required.
• Strong ability to work in a team based environment.
• Excellent verbal and written communication skills.
• Strong analytic and reasoning skills.
• Ability to identify and resolve problems in a timely manner.
• Strong knowledge of Microsoft Office suite
• Able to research and evaluate data to make informed decisions and solve problems
• Strong mathematical and analytical skills
• Sense of discretion and willingness to maintain strict confidentiality of pertinent and sensitive information

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