American Community Bank & Trust (ACBT), the largest locally owned bank in McHenry County, is seeking a detail-oriented and analytical professional to join our team as a Credit Analyst II. In this role, you'll have the opportunity to work directly with commercial lenders on the credit application and review process. This role will be responsible for conducting credit analysis for new and existing commercial client relationships. If you are a seasoned credit analyst with strong judgement in risk evaluation and a desire to grow, this is the position for you!

What You'll Do:

• Conduct credit analysis, verifications, and financial-statement reviews to support lending decisions and protect the bank from credit losses.
• Collaborate with lenders to prepare clear, well-supported credit presentations for new and existing relationships.
• Perform periodic and transaction-driven reviews: analyze financials, assess collateral, verify covenant compliance, calculate borrowing bases, review payment history, and update risk ratings in light of industry/economic changes.
• Review real estate appraisals and produce internal valuation assessments.
• Ensure consistent application of loan policy, credit risk-rating methodology, and regulatory requirements; provide guidance to lenders on standards and procedures.
• Support the bank’s loan compliance program and maintain the integrity of the Loan Origination System.
• Stay up to date on bank policies and applicable regulations and ensure ongoing compliance.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience
• A minimum of three (3) years’ commercial underwriting experience preferred

Skills

• Strong oral and written communication.
• Proven commercial credit analysis experience.
• Maintain strict confidentiality of client information.
• Sound judgment with strong problem-solving and decision-making.
• Deliver accurate, timely, high-quality reporting.
• Working knowledge of loan documents and credit agreements.

Pre-Employment Screening

All candidates are invited to take our pre-employment screening ahead of time, by copying and pasting this link to complete the assessment: https://www.ondemandassessment.com/o/JB-9D59UR2QA/landing?u=1089394

American Community Bank & Trust (ACBT) is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, age, sex, national origin, non-disqualifying physical or mental disability status, genetics, protected veteran status, sexual orientation, gender identity, or any other characteristic protected by federal, state or local laws. All employment decisions are made on the basis of qualifications, merit and business need. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Full-Time; Exempt

This is an on-site role; our in-office culture prioritizes relationship-building and collaboration

401k, Medical, Vision, Dental, Disability, Life, +

$70,000 - $90,000 per year, commensurate with experience