First Bank of Highland Park

About First Bank of Highland Park

Job Category:





United States

Postal Code:


Approximate Salary:

Not Specified

Position Type:

Full Time

Required Experience:

2 - 5 years

Required Education:

Bachelor's Degree

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Busienss Banking Credit Analyst Officer

First Bank of Highland Park - Highland Park, Illinois

Posted: 10/15/2018

First Bank of Highland Park is a community bank committed to our Clients and the community at large. We have worked side-by-side with our Clients since 1955 combining practicality with creativity, while always remaining a consistent and steady financial partner in good and bad economies. Our mission is to provide our Clients with exceptional service coupled with competitive rates and products without bureaucracy. We understand that banking today is more challenging than yesterday, but as a family business, we understand the advantage of being able to remain visionary and focused on the long term picture. Additionally, being independently owned and operated, allows us the authority and flexibility to make decisions quickly. That translates to exceptional service from experienced bankers and staff. First Bank of Highland Park offers an exceptional benefits program and a highly competitive compensation package. First Bank of Highland Park conducts credit and background checks on all candidates. First Bank of Highland Park is an Equal Opportunity Employer: disability/veteran

Basic Function:

Responsible for underwriting and credit administration activities supporting the Business Banking and Consumer loan business units. Individual will be underwriting credit requests for small businesses, not for profits, real estate entities and sophisticated consumer loan requests originated in Private Banking. The individual will also act as a backup for underwriting duties within our consumer loan department.

Essential Duties:

  1. Gathering of client financial information
  2.  Performing financial analysis and preparing a comprehensive loan presentation for approval by Senior Management
  3.  Responsible for documentation duties relating to the underwriting including obtaining credit bureau reports, appraisals, collateral information and organizing the borrower’s credit file
  4.  Communicates clearly with Department Manager and Senior Management and understands fundamental credit requests
  5. Interacts with existing and prospective clients
  6.  Performs accurate and insightful financial analysis based upon data from complex financial statements and tax returns
  7.  Identifies underwriting exceptions to bank’s credit policy and procedures
  8.  Prepares an accurate and comprehensive Loan Presentation for Department Manager and Senior Management approval
  9.  Analyzes appraisals and credit bureau reports and performs additional due diligence when appropriate
  10.  Prepare compliance related documents (HMDA, CRA, Adverse Action Forms)
  11.  Perform certain credit administration duties related to the portfolio such as following up on financial reporting requirements, loan covenants and annual portfolio reviews

Nonessential Duties

  • Other duties as assigned

Knowledge Skills & Abilities

  • Proficient on all IT applications (Word, Excel, Access, PowerPoint & Adobe)
  • Strong organizational, time management and multi-tasking skills •
  • Highly detailed orientation to all responsibilities •
  • Effective writing skills and the ability to draft concise loan presentations • Ability to make inferences and analyze complex information
  • Ability to apply mental knowledge to varying situations and circumstances •
  • Ability to withstand long periods of focus and concentration •
  • Ability to sit for long periods of time
  • Ability to problem solve at a high cognitive level •
  • Critical thinking skills • Fine motor skills

Training & Experience:

  • College degree in Finance, Accounting, or related field
  • Previous credit training and/or business financial services experience
  • 2-5 years’ experience as a credit analyst in business banking

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