Junior Commercial Credit Analyst. Bloomington Move Collective

Job Description

A well-capitalized, relationship-driven community bank is seeking a Junior Credit Analyst to join its Risk Management team. This entry-level opportunity is perfect for an early-career professional eager to establish a robust foundation in commercial credit and underwriting.

This role offers comprehensive hands-on training and direct mentorship from senior credit leaders, with exposure to commercial, real estate, agricultural, and consumer lending.

• Analyze financial statements, tax returns, cash flow, and credit reports
• Prepare detailed financial spreads, ratio analysis, and cash flow models
• Create clear and well-structured credit presentations that outline strengths, risks, and mitigants
• Evaluate collateral and calculate loan-to-value ratios
• Recommend credit risk ratings according to loan policy
• Collaborate with lenders while exercising independent credit judgment
• Document policy exceptions and conditions to be met prior to closing
• Support annual loan reviews, portfolio monitoring, and audit assistance
• Participate as a non-voting member in loan committee meetings
• Help ensure compliance with internal policies and regulatory requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Fundamental understanding of financial statements, with a strong desire to learn about commercial credit
• High attention to detail and a proactive approach to self-reviewing work
• Excellent written and verbal communication skills
• Well-organized, reliable, and able to manage multiple priorities effectively
• Curious, analytical mindset combined with professionalism and integrity
• Interest in community banking and a commitment to long-term career development

• Proficiency in Microsoft Excel and Word
• Aptitude for working with formulas, spreadsheets, and financial data
• Eagerness to learn about loan policies, regulations, and bank systems

Full-time, onsite position located in a rural Illinois market. Standard Monday-Friday schedule, with additional hours as needed. Relocation assistance is not provided, but candidates who are willing to relocate are encouraged to apply.

Annual salary ranges from $45,000 to $65,000, depending on experience, along with a comprehensive benefits package. This position also offers strong mentorship and opportunities for long-term career growth.

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.