Credit Analyst - Ft

Job DescriptionHome State Bank has an opening for Credit Analyst in Crystal Lake, IL. The Credit Analyst position will work independently to analyze credit data in order to estimate the degree of risk involved in extending credit or lending money to firms or individuals. This position is located in Crystal Lake, IL and is an onsite position. No relocation will be provided.
Since 1915, Home State Bank's goal has been to create a better quality of life for our neighbors and to work together to build a better community. Today, that goal is still the cornerstone of our success. We believe that relationships with our customers are our most important assets and we strive to provide the best service possible every day.
ESSENTIAL DUTIES
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.

• 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.
• 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.
• Perform evaluations for existing CRE Loans.
• 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.
• Complete the underwriting process for retail loan requests. This includes review of title documentation in addition to financial analysis and appraisal review.
• Participate in the Bank's development and training programs to further skills and/or promote bank services.
• Interact with the loan department, borrowers and all third-party representatives (i.e. appraisers and accountants) in a professional manner.
• Perform property evaluations for existing CRE loans.
• 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.
• Participate in the Bank's development and training programs to further skills and/or promote bank services.
• Interact with the loan department, borrowers, appraisers and accountants as needed in a professional manner.

TRAINING AND EXPERIENCE
Bachelor's Degree Required (Accounting or Finance or Business with Accounting emphasis) or commensurate experience.
Northwest Herald "2023 McHenry County Top Workplace Reader Choice Awards"

• TOP Workplace: Financial Institution/Service
• One of the Top Workplaces: Giving Back to the Community
• One of the Top Workplaces: Large Employer (100+ Employees)

Daily Herald "2022 Best Places to Work in Illinois"

• Ranked 10th for Medium Business (100-499 employees)

Home State Bank offers competitive pay and a generous benefit package that starts the first of the month following hire:

• Medical through United Healthcare - 2 PPO Plans and HMO
• Dental PPO through Standard Insurance
• Vision insurance through Standard Insurance
• $50,000 in Company Paid Life & ADD and long-term disability insurance
• 401k after 90 days with company match of 3% after a year
• Generous Time Off - 2 weeks paid vacation, 1 week pay and 11 paid FDIC holidays, 1 floating holiday (personal) day
• Tuition reimbursement - courses and books up to $6,000 annually per policy
• Holiday Party at Boulder Ridge Country Club

We are proud to be a diverse workforce that is representative, at all job levels, of the customers we serve. Home State Bank is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.
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