Credit Analyst II; Hybrid, Schaumburg, IL

About Byline Bank

Headquartered in Chicago, Byline Bank, a subsidiary of Byline Bancorp, Inc. (NYSE:

BY), is a full-service commercial bank serving small- and medium-size businesses, financial sponsors and consumers. Byline Bank has approximately $9.7 billion in assets and operates 45 branch locations throughout the Chicago and Milwaukee metropolitan areas. Byline Bank offers a broad range of commercial and community banking products and services, including small-ticket equipment leasing solutions, and is one of the top U.S. Small Business Administration (SBA) lenders according to the national SBA rankings by volume FY2024.

Byline Bank is a member of FDIC and a Equal Housing Lender
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• U.S. News & World Report named Byline Bank as one of the Best Companies to Work for in the Midwest, Finance & Overall in 2024‑2025, 2025‑2026.
• Chicago Sun Times Chicago’s Best Workplaces 2024
• Best Workplaces in Illinois in 2024 by Best Companies Group and Illinois SHRM (Society for Human Resource Management)
• Forbes America’s Best Small Employers 2023

At Byline Bank, we take pride in being an award-winning workplace. Some of our recent recognitions include the above. By joining our team, you will become part of an organization that values growth, collaboration, and innovation. We strive to create an environment where employees feel supported and are empowered to excel in their roles. If you're looking for a career with a company that puts people first and makes a difference in the communities we serve, Byline Bank is the place for you.

The Credit Analyst II is responsible for assisting the analytical and underwriting support for commercial banking, including an independent analysis of creditworthiness of customers and prospects. This position will work closely with the lending function to assess the risk of commercial transactions and provide thorough documentation of the transactions.

• Assists with commercial credit analysis by reviewing credit reports, personal/business financial statements, tax returns, appraisals, property inspections and environmental reports to complete loan presentations for approval consideration.
• Helps analyze the spreads of a company’s financial statements to determine overall credit strengths and weaknesses of potential commercial credit customers. Analysis includes debt‑service ratio, current assets ratio, leverage ratios, cash flow analysis, fixed charge coverage and acid test ratio.
• Assists with collateral analysis of all collateral assets to accounts receivables, inventory, equipment and real estate.
• Assists with credit classification analysis to include the company’s customer base, detailed credit profile of the company’s largest customers and delinquent accounts, aging analysis, delinquencies, collections and charge‑offs.
• Assists with inventory analysis to include inventory in days and an examination of stale inventory, spoilage, depletion, and inventory valuations.
• Assists with equipment analysis to include a comparison of market value to book value and an assessment of net orderly liquidation values.
• Assists with real‑estate collateral analysis to include examination of appraisal and address special and single‑purpose use facilities and alternative uses.
• Contacts the customer or customers’ representative to obtain additional information throughout the underwriting process while coordinating with the Banker.
• Identifies and assesses various business, industry and market risks to determine and categorize business trends, growth, cyclical nature, seasonality, business cycle and stages and applies findings to credit evaluation.
• Performs business sector analyses to evaluate the health and viability of a company based on similar businesses and/or competitors.
• Evaluates the overall growth potential of a company’s base through the application of various economic theories.
• Orders underwriting items including audit, TLJ and UCC searches, appraisal, environmental, flood certification, and property inspections from both internal and external sources.
• Prepares final funding reconciliation in Vendor Services.
• Updates credit on existing files.
• Records and…