Credit Analyst (Franchise Lending) – – Job # 3126

Who We Are

The Symicor Group is a boutique talent acquisition firm based in Lincolnshire, IL & San Antonio, TX. Our nationally unique value proposition centers around providing the very best available banking and accounting talent.

In fact, most of our recruiters are former bankers or accountants themselves!

We know how to evaluate the very best banking and accounting talent available in the market. Whether you are a candidate seeking a new opportunity or a bank or company president trying to fill an essential position, The Symicor Group stands ready to deliver premium results for you.

The Position

Our bank client is seeking to fill a Credit Analyst (Franchise Lending) role in the Chicago, IL market. The successful candidate will analyze current and historical financial statements and real estate data to determine the risk involved with extending money to an individual, group of individuals, or business and to prepare reports of the analysis for use in loan decision making.

Commercial Credit Analyst responsibilities include :

• Assisting in the overall structure of the loan and will be required to make recommendations to mitigate risks of specific loan transactions.
• Collecting, spreading, and analyzing financial statements and credit data to determine the overall risk associated with a specific loan.
• Making a recommendation to the bank’s lending committee on the overall structure and risk associated with the loan.
• Working with Loan Officers and Portfolio Managers to ensure that all pertinent financial information has been collected, spread, and analyzed.
• Underwriting various types of real estate loans, including but not limited to acquisition and construction and commercial mortgage amongst various real estate asset classes including but not limited to Multi-family, Mixed-Use, Retail, Office, Industrial, and Single-Family Housing.
• Utilizing various financial ratios to determine the strengths and weaknesses of specific credit.
• Determining positive and negative trends when comparing current and historical financial statements.
• Utilizing appraisal reports, environmental reports, submarket reports in addition to others.
• Spreading and reviewing construction draw requests.
• Analyzing various lease types including but not limited to gross leases, modified-gross leases, and NNN leases.
• Verifying individual liquidity and should have a thorough understanding of personal liquid assets, marketable assets, and non-marketable assets.
• Preparing summary reports that highlight the strengths and weaknesses of specific loan transactions.
• Performing other related duties as assigned or required.

Who Are You?

You’re someone who wants to influence your own development. You’re looking for an opportunity where you can pursue your interests and your passion.

Where a job title is not considered the final definition of who you are, but merely the starting point for your future.

You also bring the following skills and experience :

• Bachelor’s Degree in Accounting, Finance, or related field.
• One or more years’ related experience.
• Working knowledge of cash flow, liquidity, working capital, profitability, and leverage ratios.
• Understanding of K-1s and ancillary entity tax returns.
• Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Excellent verbal and written communication skills.
• Ability to work in a stressful environment requiring quick decision-making and adjustment to continual priority changes.
• Ability to support multiple people and manage multiple priorities in a fast-paced environment.
• Ability to work effectively in deadline situations.
• In-depth knowledge and understanding of the bank’s loan policy.
• Excellent Microsoft Office skills, specifically Word and Excel.
30+ days ago