Credit Analyst

Job Description Job Description Join a Community Bank with a Purpose Since 1915, Home State Bank has been dedicated to improving the quality of life for our customers, employees, and neighbors. More than a century later, that commitment remains at the heart of everything we do. We believe strong relationships, exceptional service, and community involvement are the foundation of our success. If you're passionate about helping people, delivering outstanding customer service, and being part of a team that genuinely makes a difference, we'd love to meet you. We are currently seeking a Credit Analyst to join our Crystal Lake team. Why Home State Bank? At Home State Bank, you're more than an employee. You're a valued team member who plays an important role in helping customers achieve their financial goals while contributing to the success of a locally owned community bank. This is an excellent opportunity for a customer-focused banking professional looking to grow their career while making a meaningful impact every day. What You'll Do As a Credit Analyst, you would prepare financial statement spreads on a timely basis, for businesses and individuals, including cash flow analysis, line usage charts and financial projections as assigned by the Credit Manager to support the Commercial Lending Department. Responsibilities include: o Prepare detailed written credit analyses on all commercial loans required in accordance with the Bank’s commercial loan policy. These write ups provide support for existing and new loan relationships and many times are presented to the Directors’ Loan Review Committee for approval. In these analyses, the analyst is expected to propose appropriate credit risk ratings for loans and identify loan policy exceptions. o Conduct comprehensive reviews of appraisals that secure commercial real estate transactions of the Bank. These reviews are used to ensure the appraiser used sound methodology. o Perform evaluations for existing CRE Loans. o Assist the Credit Manager as necessary in tracking financial statement information, obtaining external credit reports and industry data to support the Bank's loan portfolio analysis. o Complete the underwriting process for retail loan requests. This includes review of title documentation in addition to financial analysis and appraisal review. o Participate in the Bank's development and training programs to further skills and/or promote bank services. o Interact with the loan department, borrowers and all third-party representatives (i.e. appraisers and accountants) in a professional manner. o Perform property evaluations for existing CRE loans. o Assist the Credit Manager as necessary in tracking financial statement information, obtaining external credit reports and industry data to support the Bank’s loan portfolio analysis. o Participate in the Bank’s development and training programs to further skills and/or promote bank services. o Interact with the loan department, borrowers, appraisers, and accountants as needed in a professional manner. Training And Experience Bachelor's Degree Preferred (Accounting or Finance or Business) or commensurate experience. Position Details Full-Time Position Monday through Friday Standard hours: 8:00 AM - 5:00 PM Onsite in Crystal Lake, IL - local candidates only no relocation provided Occasional local travel may be required Grow Your Career While Making a Difference If you're looking for a position where your work matters, your contributions are recognized, and your growth is supported, Home State Bank offers the opportunity to build a rewarding career in community banking. Comprehensive Benefits We offer competitive compensation and an outstanding benefits package beginning the first of the month following your hire date , including: Health & Wellness Medical coverage through BCBS (2 PPO options, HSA and HMO) Dental PPO through BCBS Vision coverage through BCBS EyeMed Company-paid life and AD&D insurance ($50,000) Company-paid long-term disability insurance Financial Security 401(k) eligibility after 90 days Company match of 3% after one year Time Away From Work Two weeks of paid vacation One week of Paid Leave for All Workers Eleven paid FDIC holidays One floating person #J-18808-Ljbffr Home State Bank