Credit Analyst

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol "WTFC." Why Join Us? An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 12 years) and Employee Recommended award by the Globe & Mail (past 6 years) Competitive pay and annual discretionary 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 Promote from within culture Beverly Bank and Trust is looking for a Credit Analyst to support our lending team. You will work alongside relationship managers, business development managers, portfolio managers, and others to develop a deep understanding of the operating performance and potential borrowing needs of prospective clients. You also will assist relationship managers with ongoing support of existing clients. What You'll Do Evaluate business banking loan requests using a thorough knowledge of loan policy, guidelines, and procedures Analyze commercial, business, and personal financial data collected for the purpose of issuing, extending, amending, reviewing, and monitoring commercial credit facilities Analyze a company's financial, operational, and management strengths and weaknesses to minimize capital, balance sheet, and reputation risk Prepare company annual financial reviews and underwriting memos focusing on a company's leverage, key risk factors, sources of repayment, cash flow, and ability to service debt Prepare financial spreads and covenant tracking as well as ACH portfolio oversight Prepare commercial real estate analysis to include review of loan structure, property analysis, market analysis, property cash flow to determine ability to service debt, covenant compliance, and collateral evaluation including evaluation of appraisal reports Other responsibilities and duties as assigned Qualifications Bachelor's degree in business, finance, accounting, or related major Up to 3 years' credit analysis experience; formal credit training is a plus Excellent verbal and written communication skills Strong analytical, organizational, and time management skills with a keen attention to detail Benefits Medical Insurance

• Dental
• Vision
• Life insurance
• Accidental death and dismemberment
• Short-term and long-term Disability Insurance
• Parental Leave
• Employee Assistance Program (EAP)
• Traditional and Roth 401(k) with company match
• Flexible Spending Account (FSA)
• Employee Stock Purchase Plan at 5% discount
• Critical Illness Insurance
• Accident Insurance
• Transportation and Commuting Benefits
• Banking Benefits
• Pet Insurance Compensation The estimated salary range for this role is $59,000-$77,000, along with eligibility to earn an annual bonus.

Actual salaries may vary based on several factors, such as a candidate's qualifications, skills and experience. #

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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 build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. 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, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.