Senior Credit Analyst

Job Description

Job Description

Some Credit Analyst are looking for more than the next transaction. They want to know their work matters. At Sauk Valley Bank, every credit decision has a purpose. The purpose may be to help an agriculture producer invest in the future, a small business owner the ability to continue to serve their community.

As a locally owned community bank, we understand that numbers are only part of the story, the relationship matters. Our responsibility is to understand your story, evaluate and find a solution that is beneficial for all parties involved.

As a Senior Credit Analyst, you will bring clarity to complex decisions. You will help distinguish a manageable risk from an unacceptable one. You will identify opportunities that may not be immediately visible and help structure solutions that are responsible, practical and beneficial. Your work will help to support the bank, support our customers, and help ensure deposits continue to be invested in our local communities.

You will work alongside our experienced lenders to evaluate commercial and agricultural credit relationships. Your essential duties will include:

• Analyze financial statements, tax returns, cash flow, collateral, and financial projections
• Evaluate commercial and agricultural credit requests
• Exposure to watch list assets, problem loan status reports, and portfolio management.
• Understand each customer's business, goals, and challenges
• Identify credit strengths, weaknesses, opportunities and emerging risks
• Recommend appropriate risk ratings and credit structures
• Collaborate with lenders, accountants and customers
• Present your analysis to loan committees
• Assist with portfolio monitoring, watch-list credits and credit risk reporting

OUR IDEAL CANDIDATE

We are looking for an experienced credit professional who wants to apply strong analytical skills to work with our community bank to provide a local impact. The ideal candidate will bring:

• Bachelor’s degree in agribusiness, finance or accounting preferred.
• Preferred minimum of five years’ experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of credit analysis or underwriting.
• Developed experience, knowledge, and training in commercial and agriculture lending activities, terminology, products, and services.
• Knowledge of related state and federal banking compliance regulations and other Bank operational policies
• Advanced computer skills to meet production needs of the position, especially proficient in Excel and Word
• Advanced knowledge of accounting/finance concepts, ability to consolidate and interpret financial statement.
• Excellent interpersonal and customer service skills.
• Excellent organizational skills and attention to detail.
• Strong analytical and problem-solving skills with the ability to solve difficult problems involving multiple facets and variables in non-standardized situations
• Ability to prioritize tasks and to delegate them when appropriate.
• Effective oral, written and interpersonal communication skills with the ability to independently carry out specific instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and employees
• Ability to work with minimal supervision while performing duties
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

WHY CHOOSE SAUK VALLEY BANK?

At Sauk Valley Bank, community is not simply where we do business, it is why we do business. Because we are locally owned, the people affected by our decisions are our neighbors, local employers, agricultural producers and community partners. We take the time to understand their needs, provide personalized attention and develop financial solutions that are truly beneficial.

We hold ourselves accountable to our customers and to one another. We believe every person deserves our attention and respect, and we work hard to build relationships that last longer than just the initial transaction. Your work will contribute directly to the quality, strength and future of the Bank.

If you want more than just a job, consider building your career with us. Join Sauk Valley Bank and help us build lifelong relationships, one customer and one decision at a time.

The incumbent must be able to perform this position safely, without endangering the health or safety to him/herself or others.

Sauk Valley Bank is an Equal Opportunity Employer. SVB is committed to the provision of equal opportunity employment for all qualified persons in all job classifications in recruitment, selection and promotion without regard to race, color, religion, gender, gender identity, sexual orientation, parental status, national origin, age, disability, military status, veteran status or any other protected status. Submission of this information is voluntary and is not considered in employment decisions. This information will be kept separate from the employment files and is considered confidential.

Sauk Valley Bank offers medical, short- term disability, long term disability, life, vision, dental and 401K benefits to all full-time positions. PTO will vary depending on the level of the position. This position is not eligible for incentive.

Salary Range: $25.00 to $43.00 an hour depending on experience

Management reserves the right to change this position description at any time according to business needs.

September 24, 2026