Analyzes complex commercial, commercial real estate, and consumer credit requests; evaluates financial statements, cash flow, collateral, repayment capacity, and credit risk. Prepares credit memoranda and recommendations, recommends loan structures and covenants, monitors compliance, supports stress testing, researches clients, and mentors junior credit staff.
Park Avenue Group, a division of Angott Search Group, is partnering with a financial institution in the search for a Senior Credit Analyst. This opportunity is ideal for an experienced commercial credit professional who can evaluate complex credits, provide sophisticated underwriting support, and serve as a trusted resource to lenders and the broader credit team.
Responsibilities:
- Analyze complex commercial, commercial real estate, and consumer credit requests.
- Perform detailed financial, cash flow, collateral, and credit analysis for new loans, renewals, and portfolio reviews.
- Prepare and present comprehensive credit memoranda and recommendations.
- Evaluate borrower financial statements, tax returns, projections, industry trends, and repayment capacity.
- Review appraisals and assess collateral adequacy.
- Recommend loan structures, terms, covenants, and conditions consistent with credit policy.
- Monitor covenant compliance and identify potential credit risks.
- Conduct financial research on existing and prospective commercial clients and ACH customers.
- Assist with portfolio stress testing and other credit risk initiatives.
- Provide coaching and mentorship to Credit Specialists and Credit Analysts.
Qualifications:
- Bachelor’s degree in Accounting, Finance, or a related field.
- 5+ years of commercial and commercial real estate underwriting experience.
- Formal credit training required.
- Strong understanding of commercial credit analysis, financial statements, cash flow, and credit risk.
- Knowledge of applicable banking laws and regulations.
- Strong analytical, communication, and organizational skills.
- Proficiency with Microsoft Word and Excel.
- Experience analyzing complex credits and providing guidance to lending partners.
Similar Jobs
Logistics
Manages credit functions for freight forwarding and contract logistics business units. Develops and implements credit policies and controls, reviews customer creditworthiness, and approves credit limits and payment terms. The role requires finance expertise, strong credit analysis experience, policy development experience, and familiarity with the logistics and freight forwarding industry.
Professional Services • Consulting
Underwrite complex commercial, commercial real estate, and consumer credit requests; analyze financial statements, tax returns, cash flow, collateral, and repayment capacity; prepare credit approval memoranda; monitor covenants and emerging risks; recommend loan structures; maintain compliance and credit files; collaborate with lending and servicing teams; and mentor junior credit professionals.
Top Skills:
ExcelMicrosoft WordSageworks
Automotive
Performs commercial financial analysis and underwriting for automotive lending programs. Analyzes financial statements, tax returns, cash flow, collateral, and repayment capacity; structures loans and advances; presents credit requests to leadership; monitors portfolio performance; and develops dashboards, reports, and workflow improvements to support risk management and data-driven decisions.
Top Skills:
ExcelMicrosoft PowerpointMicrosoft WordPower AutomatePower BI
What you need to know about the Chicago Tech Scene
With vibrant neighborhoods, great food and more affordable housing than either coast, Chicago might be the most liveable major tech hub. It is the birthplace of modern commodities and futures trading, a national hub for logistics and commerce, and home to the American Medical Association and the American Bar Association. This diverse blend of industry influences has helped Chicago emerge as a major player in verticals like fintech, biotechnology, legal tech, e-commerce and logistics technology. It’s also a major hiring center for tech companies on both coasts.
Key Facts About Chicago Tech
- Number of Tech Workers: 245,800; 5.2% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: McDonald’s, John Deere, Boeing, Morningstar
- Key Industries: Artificial intelligence, biotechnology, fintech, software, logistics technology
- Funding Landscape: $2.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Pritzker Group Venture Capital, Arch Venture Partners, MATH Venture Partners, Jump Capital, Hyde Park Venture Partners
- Research Centers and Universities: Northwestern University, University of Chicago, University of Illinois Urbana-Champaign, Illinois Institute of Technology, Argonne National Laboratory, Fermi National Accelerator Laboratory
