Credit Analyst at Wintrust Financial Corporation in Rosemont, Illinois

Job Description:

Wintrust is a financial holding company with approximately $50 billion assets under management and traded on the NASDAQ:WTFC. Built on the "HAVE IT ALL" model, Wintrust offers sophisticated technology and resources of a large bank while focusing on providing service-based community banking to each and every customer. Wintrust operates fifteen community bank subsidiaries with over 170 banking locations in the greater Chicago and southern Wisconsin market areas. Additionally, Wintrust operates various non-bank business units including commercial and life insurance premium financing, short-term accounts receivable financing, out-sourced administrative services, mortgage origination and purchase, wealth management services and qualified intermediary services for tax-deferred exchanges.

Assist the commercial banking team or related departments with the underwriting and documentation of loan requests.
Perform economic and industry analysis, financial projections and risk assessments.
Spread and interpret financial statements and conduct collateral analysis to minimize risk and maximize credit quality.
Prepare and deliver loan presentations.
Review and maintain credit files to monitor and update information as needed.
Provide high quality customer service and service clients in a courteous and professional manner consistent with our company philosophy.
Assist co-workers and senior bankers in cultivating new business relationships.
Follow established bank policies and procedures.
Cross-sell bank products and services.
Cooperatively assist and support other bank activities.
Promote a strong team environment.

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 8 years) and Employee Recommended award by the Globe & Mail (past 6 years)




• Competitive pay and discretionary or incentive bonus eligible




• Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few




• Family-friendly work hours




• With 175+ community bank locations, we offer opportunities to grow and develop in your career




• Promote from within culture

Why join this team?

• Great opportunity to work in a small business lending segment




• Opportunity to create value by providing your innovative ideas




• You come to join focused, highly collaborative team at a great company

What You’ll Do

• Credit review and analysis of new and renew small business loans, including but not limited to calculations of business cash flow, personal cash flow, debit service ratios, etc.




• Present loan decisions in accordance with established procedures and underwriting criteria




• Identify alternative financings options for borrowers that do not qualify for their original requests




• Apply delegated credit authorities per policies and procedures




• Work closely and provide support to Relationship Managers to help build strong relationships with customers




• Other duties as directed

Qualifications

• Bachelor’s degree in Finance or related field




• At least 1-3 years of related experience




• Excellent analytical and problem-solving skills




• Excellent organizational skills, attention to detail and ability to work in a fast paced environment

From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To be Chicago’s Bank® and Wisconsin's Bank®, we need to reflect that diversity both in all the communities we serve, the people we employ, the organizations we work with, and our banking and lending practices. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran or any other characteristic protected by law.

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