Join a Community Bank with a Purpose
Since 1915, Home State Bank has been dedicated to improving the quality of life for our customers, employees, and neighbors. More than a century later, that commitment remains at the heart of everything we do. We believe strong relationships, exceptional service, and community involvement are the foundation of our success.
If you're passionate about helping people, delivering outstanding customer service, and being part of a team that genuinely makes a difference, we'd love to meet you. We are currently seeking a Credit Analyst to join our Crystal Lake team.
Why Home State Bank?
At Home State Bank, you're more than an employee. You're a valued team member who plays an important role in helping customers achieve their financial goals while contributing to the success of a locally owned community bank.
This is an excellent opportunity for a customer-focused banking professional looking to grow their career while making a meaningful impact every day.
What You'll Do
As a Credit Analyst, you would 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.
Responsibilities include:
o 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.
o 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.
o Perform evaluations for existing CRE Loans.
o 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.
o Complete the underwriting process for retail loan requests. This includes review of title documentation in addition to financial analysis and appraisal review.
o Participate in the Bank's development and training programs to further skills and/or promote bank services.
o Interact with the loan department, borrowers and all third-party representatives (i.e. appraisers and accountants) in a professional manner.
o Perform property evaluations for existing CRE loans.
o 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.
o Participate in the Bank’s development and training programs to further skills and/or promote bank services.
o Interact with the loan department, borrowers, appraisers, and accountants as needed in a professional manner.
Training And Experience
Bachelor's Degree Preferred (Accounting or Finance or Business) or commensurate experience.
Position Details
Grow Your Career While Making a Difference
If you're looking for a position where your work matters, your contributions are recognized, and your growth is supported, Home State Bank offers the opportunity to build a rewarding career in community banking.
Comprehensive Benefits
We offer competitive compensation and an outstanding benefits package beginning the first of the month following your hire date , including:
Health & Wellness
Financial Security
Time Away From Work
Time off is pro-rated the first year
Learning & Development
Team Culture
Award-Winning Workplace
We're proud to be recognized as one of the best places to work in Illinois and McHenry County.
Northwest Herald 2024 McHenry County Top Workplace Reader Choice Awards
Apply Today
Become part of a team that values service, integrity, community, and professional growth.
Apply online at , visit any Home State Bank branch, or fax your application to 815-248-0428 .
Home State Bank is an Equal Opportunity Employer. We are committed to fostering a diverse and inclusive workplace where all employment decisions are based on merit, qualifications, performance, and business needs. We welcome applicants from all backgrounds and experiences.
Compensation details: 21.37-32.1 Hourly Wage
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