Senior Commercial Credit Analyst

Senior Commercial Credit Analyst

First American Bank was founded in Chicago, and over the years has expanded throughout Wisconsin and Florida. As the largest privately held bank in Illinois, we now have over 60 locations and assets of $5+ billion. We are a community bank at heart with international expertise, traditional values, and a forward-looking philosophy. Our employees have the experience and vision to meet the needs of savers, borrowers, and businesses in the 21st century. First American Bank can offer employees a level of visibility, career growth, and stability that is difficult to find in many larger corporations.

The Senior Commercial Credit Analyst is responsible for providing all aspects of credit analysis for current and prospective relationships within the Commercial Department. In addition, these analysts work closely with Portfolio and Relationship Managers to service clients, help lead / mentor Commercial Analyst Trainees and Commercial Credit Analysts and contribute to sales opportunities.

Duties & Responsibilities

• Prepare and present detailed credit memos on existing and prospective customers, including independent judgment and individualized assessment of financial statement analysis, risk code management, and loan structuring.
• Support Portfolio and Relationship Managers with existing relationships, commercial credit responsibilities, and business development / networking opportunities with existing commercial loan portfolios. Help identify opportunities for appropriate introductions with other business units to deepen the relationships.
• Provide mentorship and guidance to Commercial Credit Analysts by assigning and tracking their day-to-day duties and assisting with the allocation of their workloads.
• Independently research and analyze third party reports and data to assess and determine various industries and market conditions.
• Participate in the training, coaching, and mentoring of Commercial Analyst Trainees and Commercial Credit Analysts.
• Provide guidance, identify issues, and recommend alternatives for ongoing processes to Loan Operations, Collateral Management, and Treasury Management departments.
• Provide high-level customer communication for commercial loan requests, including assessing and implementing appropriate responses with various Bank teams.
• Demonstrate strong attention to detail, time management skills, and the ability to work well in a fast-paced environment.
• Ensure compliance with Bank policies and applicable regulations.
• Participate in regular Commercial Department meetings as well as respective loan division's short-term and long-term planning.
• Exemplify best practices in loan analysis and credit assessment to set a high standard for the analysts.
• Conduct and complete additional assignments / projects as designated by management.

Qualifications