Sr. Credit Analyst (Naperville, IL)

About Byline Bank Byline Bank, a subsidiary of Byline Bancorp, Inc., is a full‑service commercial bank headquartered in Chicago that serves small‑ and medium‑sized businesses, financial sponsors, and consumers. Objective Of Position The Sr. Credit Analyst is responsible for providing analytical and underwriting support for commercial banking, including independent analysis of creditworthiness of customers and prospects. The analyst works closely with the lending function to assess the risk of commercial transactions and produces thorough documentation for approval consideration. Duties And Responsibilities Performs commercial credit analysis by reviewing items including credit reports, personal/business financial statements, tax returns, appraisals, property inspections, and environmental reports to complete loan presentations for approval consideration. Prepares and analyzes spreads of a company’s financial statements to determine overall credit strengths and weaknesses of potential commercial credit customers, including debt‑service ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage, and acid test ratio. Performs and completes a collateral analysis of all collateral assets, including accounts receivables, inventory, equipment, and real estate. Conducts credit classification analysis, detailing the company’s customer base, the detail credit profile of the company’s largest customers, delinquent accounts, aging analysis, delinquencies, collections, and charge‑offs. Conducts inventory analysis, including inventory days, stale inventory, spoilage, depletion, and inventory valuations. Conducts equipment analysis, comparing market value to book value and assessing net orderly liquidation values. Conducts real‑estate collateral analysis, including examination of appraisal, special and single‑purpose use facilities, and alternative uses. Contacts the customer or representative to obtain additional information or explanation throughout the underwriting process while coordinating with the banker. Identifies and assesses various business, industry, and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, and business cycle stages, applying findings to credit evaluation. Conducts business sector analyses to evaluate the health and viability of a company based on similar businesses and/or competitors. Evaluates the overall growth potential of company bases through the application of various economic theories. Serves as a coach and mentor to Credit Analyst trainees. All other duties as assigned. Qualifications Bachelor’s degree in Accounting, Finance, or a related field. 3+ years in a commercial credit analysis function within a financial institution. Formal credit training preferred. Recognized as a strategic thinker and creative problem solver. Demonstrated high‑level problem‑solving and decision‑making skills. Ability to work collaboratively with a variety of stakeholders at all levels. Self‑motivated and effective time and project manager with strong attention to detail. Strong change management, organizational, and planning capabilities. Ability to identify, understand, and define problems, evaluate alternatives, set priorities, manage projects, and implement high‑quality solutions. Strong organizational skills with the ability to directly manage and communicate multiple projects and priorities. Possess strong communication skills both verbally and in writing. Proficiency in MS Office Suite. Physical Demands / Work Environment Usual office environment with frequent sitting, walking, and standing, and occasional climbing, stooping, kneeling, crouching, crawling, and balancing. Frequent use of eye, hand, and finger coordination enabling the use of office equipment. Oral and auditory capacity enabling interpersonal communication. The role supports a hybrid work environment, with a combination of remote and in‑office work as business needs dictate. Compensation & Benefits Byline Bank offers competitive industry‑rate salary bands with regular review to ensure equity across teams and levels. The salary range for this position is between $86,000 to $107,000 plus incentive. Benefits include medical coverage, dental, vision, disability, 401(k), paid time off, and additional discretionary bonuses and benefit programs. Compensation may vary based on skill set, experience level, and location. Additional Information Byline Bank is an Equal Opportunity Employment / Affirmative Action employer dedicated to providing an inclusive workplace where unique differences are welcomed, respected, and valued. All employment decisions are based on business needs, job requirements, and individual qualifications without regard to race, color, religion or belief, national, social or ethnic origin, sex (including pregnancy), age, physical, mental or sensory disability, HIV status, sexual orientation, gender identity and/or expression, marital, civil union or domestic partnership status, past or present military service, protected veteran status, family medical history or genetic information, and any other status protected by the laws or regulations in the locations where we operate. Discrimination or harassment of any kind is not tolerated. Byline Bank is committed to providing reasonable accommodations for candidates with disabilities in the recruiting process. If assistance or accommodations due to a disability are needed, please contact us directly at View phone number on click.appcast.io, Option #2. If applying within the US, this role is not eligible for visa sponsorship now or in the future. #J-18808-Ljbffr Byline Bank