Senior Credit Analyst

This position is based in Northbrook, IL, and requires the ability to be in the office.

Smart Biz Bank offers a broad range of business banking solutions to small businesses across the U.S. – solutions built specifically to serve the dynamic needs of entrepreneurs and foster the growth of the small business community. Smart Biz Bank’s commitment to transparency and personalized customer service offers an unparalleled banking experience, ensuring small businesses have the financial services they need to grow and thrive.

Headquartered in Northbrook, Illinois, with an additional office in Austin, Texas, we are proud to serve both our local and national small business communities.

The Senior Credit Analyst is responsible for reviewing the creditworthiness of individuals or businesses to determine the risk involved in lending money or extending credit for the bank’s Commercial and SBA Lending divisions. In order to meet and exceed loan growth targets, multiple deals need to be sourced and reviewed. All C&I and SBA Loans follow the loan policy of the bank, the OCC, FDIC, and the SBA policies and procedures.

• Analyze credit data and financial statements of individuals or businesses to identify the degree of risk involved in lending money or extending credit.
• Prepare Pre-Flight of the potential loan for the Chief Credit Officer and Senior Management to determine if moving forward with a proposal and ultimately to underwriting meets with the Bank’s and management’s expectations, along with the bank's overall strategy.
• Assist with structuring the loan specifics.
• Prepare a deal checklist of items needed for credit submission for loan officer review.

• Work with multiple loan files in various stages of completeness to move them towards credit submission.
• Gather all items needed for credit submission by following a pre-determined credit submission checklist.
• Interact with the borrower to ensure all items are needed for a complete package.
• Collaborate with the loan officer and the customer to answer any additional questions in order for loan approval.

• Maintain ongoing credit training.
• Manage and assist with various commercial and SBA lending underwriting transactions for approval.
• Organize, prepare, and present loan presentations to the loan committee.
• Prepare annual loan file reviews.
• Monitor the loan policy exception report with review and quarterly updates.
• Maintain the loan portfolio and manage all ticklers and exceptions.

• 5+ years of underwriting experience with a community bank
• Strong knowledge of commercial banking underwriting, SBA small loan underwriting is a plus
• Exceptional oral & written communication skills
• Highly organized and detail-oriented
• Bachelor’s Degree in Accounting, Finance, Economics, or a related field
• Experience with Salesforce is a plus

• Mission-driven culture focused on small business banking.
• Competitive compensation and equity participation where applicable.
• Employer-paid medical, dental, vision, life, and disability insurance for eligible employees and dependents.
• Flexible vacation policy.

-- Smart Biz Bank is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. California residents can learn more about how we use your information by visiting