Credit Analyst

2 months ago

Chicago, Illinois, United States Associated Bank - Corp Full time

At Associated Bank we strive to create an inclusive culture where different perspectives are valued and recognized as strengths critical to our success. If you thrive in an environment where your growth and development are encouraged and supported, then Associated Bank may be the right place for you.

Responsible for underwriting, credit monitoring and portfolio management of Commercial Real Estate and Commercial/Corporate/SFSG Banking relationships to achieve efficiencies and quality of the process and product, retention and expansion of existing client relationship, growth of total client assets and net growth in relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests (including adherence to loan policy), appropriately incorporating credit structures, collecting financial statements, as well as identifying cross selling/referring opportunities of other deposits services. As a Portfolio Manager, this position will maintain and build loans and deposits, fee income and referrals of business where applicable.

Job Accountabilities

  • Ensure the portfolio administration and risk management of each client relationship is in compliance with established Associated Banc-Corp credit policy, procedure and business strategy as well as regulatory guidelines.
  • As appropriate to experience, co-manage relationships by analyzing financial data to determine the merits of specific loan requests, and recommend structure as well as aggressively managing the client relationship.
  • Responsible for credit risk and quality of the portfolio.
  • Assist with due diligence/analysis with new client relationships, opportunity memos as appropriate.
  • May participate with ad hoc special projects for the team or region as needed.
  • Partner with the Relationship Manager as the point of a contact for the client; acting as a liaison to the Credit Department, the support staff and other internal business partners.
  • Monitor loan repayment activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts. May assume overall responsibility for the credit quality of the loan portfolio.
  • May make presentations on specific loans and participate in the bank's Loan Approval Process, recommending approval and appropriate structure of credits.
  • Manage the renewal process by working with the Relationship Manager the client and the credit department.
  • May serve as a contact manager for non-borrowing accounts and loan clients for matters relating to other banking services.
  • Responsible for identifying cross sales opportunities of all bank products including Treasury Management, International Banking, Private Banking, Private Client and Institutional Services, Employee Benefit Services, and AFG, Capital markets to our existing client base as well as prospects.
  • Participates in community and business functions/groups to ensure a positive image for the bank within the region's marketplace.

Education

  • Bachelor's Degree or equivalent combination of education and experience Business Required
  • Bachelor's Degree or equivalent combination of education and experience Finance Required
  • Bachelor's Degree or equivalent combination of education and experience Accounting Required

Experience

  • Less than 2 years Commercial/Corporate, Commercial Real Estate or Specialized Banking and/or Credit Approval Required
  • Less than 2 years Handling complex credits Preferred
  • Less than 2 years Sales Preferred
  • Less than 2 years Formal Credit Training Preferred

Licenses and Certifcations

Must have access to reliable transportation and the ability to lawfully drive self, if applicable. by start date Required
CFA-Charted Financial Analyst by start date Preferred

In addition to core traditional benefits, we take pride in offering benefits for every stage of life.

  • Retirement savings including both 401(k) and Pension plans.
  • Paid time off to volunteer in your community.
  • Opportunities to connect with others through our diversity-focusedColleague Resource Groups.
  • Competitive salaries with professional development and advancement opportunities.
  • Bonus benefits including well-being programs and incentives, parental leave,anemployee stock purchase plan, military benefits and much more.
  • Personal banking, loan, investmentand insurance benefits.

Associated Bank serves more than 120 communities throughout Wisconsin, Illinois and Minnesota and we consider our colleagues critical to our continued success. See why our colleagues continually vote us a best place to work in the Midwest.Join our community onFacebook,LinkedInandX.

Compliance Statement

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR.

Responsible to report ethical concerns as needed to Associated Bank's anonymous Ethics Hotline.

Associated Bank provides additional assistance to individuals with disabilities throughout the application & interview process. Please you need an accommodation at any time during the interview process.

Associated Banc-Corp is an Affirmative Action andEqual Opportunity Employer. Associated Banc-Corp participates in the E-Verify Program. E-Verify NoticeEnglish or Spanish. Know Your Right to WorkEnglishorSpanish.

Associated Bank isPay Transparencycompliant.

The employment policy of Associated Banc-Corp, and its subsidiaries and affiliates ("Associated") provides equal opportunity to all persons. We support a diverse and inclusive work environment where colleagues are respected, treated fairly, and given equal opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that the organization can truly perform at its best, carry out its vision, and make a difference for the communities we serve.

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