Credit Analyst/Credit Officer

American Commercial Bank & Trust, NA

Credit Analyst/Credit Officer - on site in Joliet, IL

American Commercial Bank & Trust is currently seeking analytical and detailed candidates for a Credit Analyst/Officer position, which is located in our Joliet IL office. The primary responsibility of the Credit Analyst is to gather and analyze financial data to assess a new or existing client's creditworthiness. Quantitative and analytical skills are key to producing accurate and detailed credit write-ups and presentations to the Loan Committee. The Credit Analyst must also be excellent communicators, good at reading people, able to research efficiently and note discrepancies, and be pivotal collaborators. As an analyst, the role will also expand to include working on the more complex and intricate credits.

Key job duties and responsibilities include the following:

• Analyzes and spreads financial statements for new and potential clients in the Loan Vantage system.
• Performs cash flow analysis, debt coverage calculations, risk modeling, collateral review, and other quantitative analysis to determine client's credit worthiness, often with complex and intricate credits and relationships.
• Performs background research on client, industry and market trends, and economic forecasting to incorporate into the credit presentation to support analysis.
• Works closely with commercial lenders, commercial associates, and other credit administration staff to verify client and loan information.
• Interacts with clients to procure information and may accompany lenders with onsite client calls.
• Stays abreast of internal lending and credit policies.
• Assists with internal and external audits and examinations, and client audits.
• Due to the growth of the organization, may become involved in helping to develop better internal processes and protocols, and working closely with the Chief Credit Officer, Credit Administration staff and other key executives within the organization.
• Completes all required annual training (compliance, security, etc.).

Education and Experience:

• Bachelor's degree in accounting, finance, economics, or business.
• Solid understanding of accounting, statistics, and economics.
• 3 years of previous credit analysis experience desirable.

Skills and Abilities:

• Knowledge of commercial credit analysis, market trends and loan procedures.
• Attention to detail.
• Strong analytical and critical thinking skills.
• Strong quantitative skills.
• Self-motivated, with the ability to multi-task, meet deadlines and manage time effectively.
• Ability to research financial topics and present reports on findings to a variety of audiences and decision-makers.
• Adept at decision-making.
• Strong interpersonal and customer service skills, forming positive working relationships with lenders, clients, internal colleagues, and senior management.

American Commercial Bank & Trust is an Equal Opportunity Employer (Protected Veterans, and Individuals with Disabilities).

A comprehensive benefits package offered for Full-time positions, including medical, dental and vision coverage, Life/STD/LTD plans, Flexible Spending Account, H.S.A., 401k with company match, ESOP, paid vacation, sick time, and holidays. For more information on our Bank, visit us online at: www.acbandt.com.

Candidates will be required to submit to a background check when presented with a conditional offer of employment.