Credit Analyst

5 days ago

Decatur, IL, United States gpac Full time
Job Description

Credit Analyst - Commercial & Agricultural Lending

Hybrid / Remote Option | Compensation up to $90,000

Are you a detail-driven Credit Analyst who enjoys deep financial analysis, diverse credit exposure, and partnering directly with lenders- without being stuck in a rigid underwriting box?

A well-established, relationship-focused community bank in rural downstate Illinois is confidentially seeking a Credit Analyst with strong agricultural credit experience to join its growing Risk Management team. This is an excellent opportunity for an analyst ready to take on broader responsibility, gain visibility with senior leadership, and strengthen your commercial, ag, and real estate underwriting skills.

This bank values independence, analytical depth, and true collaboration. For the right candidate, the bank will consider hybrid or partial-remote flexibility.

What You’ll Do
  • Assess credit requests across commercial, ag, CRE, consumer, and real estate lending.
  • Analyze tax returns, financial statements, cash flow, collateral, and trends to determine repayment capacity.
  • Complete spreads, ratios, financial modeling, and cash flow analysis using Excel.
  • Prepare clear, accurate, professional credit presentations highlighting strengths, risks, and structural recommendations.
  • Recommend risk ratings and ensure alignment with loan policy and regulations.
  • Partner with lenders throughout the underwriting process while maintaining analytical independence.
  • Assist with annual reviews, portfolio monitoring, and audit support.
  • Participate (non-voting) in Loan Committee to present analysis and offer insight.
  • Identify irregular or suspicious activity and support compliance / BSA/AML processe
What You Bring
  • 2-4+ years of credit analysis experience in a community bank or commercial lending environment.
  • Strong ag lending or ag credit underwriting experience is highly preferred.
  • Solid understanding of financial accounting, cash flow, and credit structuring.
  • Ability to self-review, catch errors, and produce polished written credit presentations.
  • Proficiency in Excel (financial modeling, data validation, formulas, pivots) and strong working knowledge of Microsoft Word.
  • Curiosity, sound judgement, and the ability to communicate with lenders and clients professionally.
  • Bachelor’s degree in finance, accounting, economics, or related field.
Traits of a Successful Fit
  • Detail-oriented and thorough
  • High analytical aptitude
  • Comfortable managing varying portfolio demands
  • Strong integrity and independent judgment
  • Enjoys solving credit puzzles and identifying risk
Compensation & Benefits
  • Compensation up to $90,000, depending on experience
  • Full benefits package
  • Hybrid or partial-remote schedule may be available for the right candidate
Why This Opportunity Stands Out
  • High visibility with senior leadership
  • Stable community-bank environment
  • Broad credit exposure (C&I, CRE, Ag, consumer)
  • Real opportunity to strengthen Ag underwriting depth
  • Flexibility: hybrid/remote potential for experienced candidates

If you’re a Credit Analyst-or an Ag Credit Analyst-looking for a more meaningful role with broader impact, I’d love to connect. Apply confidentially crystal.fryers@gogpac.com

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.

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