Associate Commercial Credit Analyst

Job Description

A well-capitalized, relationship-driven community bank is seeking an Associate Credit Analyst to join its Risk Management team. This is an entry-level opportunity ideal for an early-career professional who wants to build a strong foundation in commercial credit and underwriting.


This role provides hands-on training and direct mentorship from senior credit leadership while offering exposure to commercial, real estate, agricultural, and consumer lending.


What You’ll Do
• Analyze financial statements, tax returns, cash flow, and credit reports
• Prepare financial spreads, ratio analysis, and cash flow models
• Develop clear, well-written credit presentations outlining strengths, risks, and mitigants
• Evaluate collateral and calculate loan-to-value ratios
• Recommend credit risk ratings in accordance with loan policy
• Partner with lenders while maintaining independent credit judgment
• Document policy exceptions and prior-to-close conditions
• Assist with annual loan reviews, portfolio monitoring, and audit support
• Participate as a non-voting member of loan committee meetings
• Support compliance with internal policies and regulatory requirements


What We’re Looking For
• Bachelor’s degree in Finance, Accounting, Economics, or related field
• Basic understanding of financial statements with a strong desire to learn commercial credit
• High attention to detail and ability to self-review work
• Strong written and verbal communication skills
• Organized, dependable, and comfortable managing multiple priorities
• Curious, analytical mindset with professionalism and integrity
• Interest in community banking and long-term career development


Technical Skills
• Proficiency in Microsoft Excel and Word
• Ability to work with formulas, spreadsheets, and financial data
• Willingness to learn loan policy, regulations, and bank systems


Work Environment
• Full-time, onsite position in a rural Illinois market
• Monday-Friday schedule; additional hours as needed
• Relocation assistance not provided; candidates willing to relocate are encouraged to apply


Compensation & Benefits
• $45,000-$65,000 yearly, based on experience
• Comprehensive benefits package
• Strong mentorship and long-term career growth opportunity


This is a confidential search. Employer details will be shared during the interview process.


To apply or inquire confidentially:
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All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.