Credit Review Specialist

2 months ago

Rosemont, United States Wintrust Financial Full time

Wintrust is a financial holding company with approximately $62 billion in assets whose common stock is traded on the NASDAQ Global Select Market. Guided by its “Different Approach, Better Results” philosophy, Wintrust offers the sophisticated resources of a large bank while providing a community banking experience to each customer. Wintrust operates more than 200 retail banking locations through 16 community bank subsidiaries in the greater Chicago, southern Wisconsin, west Michigan, northwest Indiana, and southwest Florida market areas. In addition, Wintrust operates various non-bank business units, providing residential mortgage origination, wealth management, commercial and life insurance premium financing, short-term accounts receivable financing/outsourced administrative services to the temporary staffing services industry, and qualified intermediary services for tax-deferred exchanges. Our unique business model is a competitive strength and value driver, powered by our talented colleagues who put our customers first and achieve better results for our clients.

Why join us?

  • An award-winning culture We are rated a Top Workplace by the Chicago Tribune (past 10 years) and Employee Recommended award by the Globe & Mail (past 6 years).

  • Competitive pay and discretionary or incentive bonus eligible.

  • Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few.

  • Promote from within culture.

Why join this team?

  • Be part of a strong, mature, risk management governance framework.

  • Hybrid Work Schedule – Remotely and at our locations in Rosemont or Countryside, IL.

  • We foster an inclusive environment for an individual to grow and work independently.

  • Opportunity to interact with management level, experienced professionals - higher visibility.

  • Wintrust has a great culture that comes from the top down.

  • Gain experience and further your career by joining a growing organization.

Position Overview

The Credit Review Specialist is part of the Credit Review Team functioning as an independent second line of defense reporting to the VP Credit Review Group Manager. The Credit Review Specialist will conduct a systematic review of commercial, small business, specialty, or consumer loan portfolios to determine the adequacy of risk identification, credit process and credit administration. In addition, the Credit Review Specialist will prepare business unit reports and other reports related to other bank wide credit risk related issues.

What You’ll Do

  • Participate in the overall assessment of portfolio credit quality.

  • Assess risk rating accuracy, timeliness of grade changes and appropriateness of supporting rationale.

  • Ensure loan underwriting standards adhere to Wintrust policy and procedures, and policy exceptions are appropriate identified and mitigated effectively.

  • Review loan documentation, collateral documentation and other credit administration and monitoring for adherence to Wintrust policy and procedure and to all relevant laws and regulations, as well as alignment with credit approval. 

  • Manage and/or co-manage internal loan review engagements.

  • Perform continuous monitoring of assigned portfolios.

  • Work with senior management to regularly update the loan review policies and procedures.

  • Ensure adversely classified assets are identified and have appropriate action plans in place.

  • Effectively listen and communicate with loan officers, business unit managers, senior Wintrust leadership, appropriate internal committees, external auditors and all regulatory bodies.

Qualifications

  • Bachelor’s degree in accounting, Finance, Economics, or a related discipline.

  • Credit professional with at least five years of commercial credit experience, preferably with a background in commercial credit underwriting, credit risk management or loan/credit review.

  • Strong credit analytical skills and credit process knowledge. 

  • Knowledge of the banking industry and regulatory guidelines as they relate to credit review and credit risk management practices.

  • Experience in specialty lending niches such as leveraged loans, franchise lending, leasing, asset-based lending, insurance, etc.

  • Successful completion of a formal credit training program preferred.

  • Previous loan/credit review experience preferred.

Benefits

Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance

#LI-HYBRID

#LI-VB1

From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To be Chicago’s Bank® and Wisconsin's Bank®, we need to reflect that diversity both in all the communities we serve, the people we employ, the organizations we work with, and our banking and lending practices. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran or any other characteristic protected by law.

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