Objective of Position: 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.

Duties and Responsibilities:

• 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 by the appropriate approval authority.
• Helps analyzes the spreads of a company's financial statements to determine overall credit strengths and weakness of potential commercial credit customers. Analysis includes, but is not limited to 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, a detail 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 or explanation detail 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 apply findings to credit evaluation.
• Performs business sector analyses to evaluate the health and viability of a company based upon similar businesses and/or competitors.
• Evaluates the overall growth potential of company's bases through the application of various economic theories.
• Orders underwriting items including, but not limited to 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 maintains external vendor order costs in Vendor Services.
• All other duties as assigned.

Note: Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

Qualifications:

• Bachelor's degree in Accounting, Finance or related degree preferred.
• 2+ years of credit experience, ideally in a public company with at least 1,000 employees.
• 2+ years of credit analyst experience.
• Ability to work collaboratively with a variety of stakeholders at all levels.
• Be self-motivated and an effective time and project manager with a strong attention to detail.
• Have strong change management, organizational and planning capabilities.
• Ability to identify, understand and define problems, evaluate alternatives, set priorities, manage projects and implement high quality solutions.
• Demonstrate strong organizational skills and analytical skills with the ability to directly manage and communicate multiple projects and priorities depending on organizational needs and strategies.
• Possess strong communication skills both verbally and in writing.
• Proficiency in MS Office Suite.

Physical Demands/Work Environment:
Usual office environment with frequent sitting, walking, and standing, and occasional climbing, stooping, kneeling, crouching, crawling, and balancing. Frequent use of eye, hand, and finger coordination enabling the use of office equipment. Oral and auditory capacity enabling interpersonal communication as well as communication through automated devices.

At Byline Bank, we value work-life flexibility and support a hybrid work environment for this position. This role allows for a combination of remote and in-office work, with occasional visits to the office based on business needs. Specific in-office days may vary and will be discussed during the interview process.

Compensation & Benefits:
Byline Bank offers competitive industry rate salary bands with the goal of retaining and growing talented individuals. We regularly review and adjust our compensation structure as needed to ensure equity across teams and levels.

The salary range for this position is between $72,000 to $89,000 + incentive.

In addition, Byline provides benefits including medical coverage, dental, vision, disability, 401k, paid time off and much more! Depending on the specific role, compensation may also include discretionary bonuses and other benefit programs. The actual compensation package may vary based on factors such as skill set, experience level, and candidate's location.

Additional Information:
If applying within the US, this role is not eligible for visa sponsorship now or in the future.

Note to Recruitment Agencies and Third-Party Recruiters:
Byline Bank kindly requests that third-party recruiters, staffing agencies, and recruitment firms refrain from submitting resumes or candidate profiles without a prior agreement in place. Any unsolicited submissions will be considered property of Byline Bank, and no fees will be paid for placements resulting from such submissions. We appreciate your understanding and cooperation.