Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.”
Why join us?
- An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 12 years) and Employee Recommended award by the Globe & Mail (past 6 years)
- Competitive pay and annual discretionary bonus eligible
- Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few
- Family-friendly work hours
- Promote from within culture
Responsibilities:
• Prepare and conduct Credit Approval Presentations (CAPs) including summarizing and reporting trends.
• Analyze commercial credit requests of varying complexity including credit and financial information of businesses and individuals to determine the degree of risk associated with the extension of credit.
• Review financial statements and tax returns submitted by applicants and evaluate a borrower’s ability to repay. Recognize trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate. Recommend risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk.
• Perform collateral analyses consistent with cash-flow and CRE lending.
• Communicate directly with Relationship Managers as well as customers, as needed, to allow for timely and efficient underwriting of credit requests.
• Foster an open dialogue and strong working relationship with the Real Estate Group, Credit Administration, Loan Operations, Managed Assets Department and other groups that support the line of business.
• Loan monitoring and covenant testing; assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.
• Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters in order to identify problems/issues to produce timely loan modifications and risk rating changes, as appropriate.
Qualifications:
• Bachelor’s degree in accounting, finance, business or equivalent education.
• 3+ years’ commercial and industrial underwriting and/or portfolio management experience, with a working knowledge of banking environment, products and all supporting processes and technology.
• Formal Bank credit training is preferred, with a strong understanding of general credit and risk principles, and banking policies/procedures.
• Proficiency in MS Office: Excel, Word, PowerPoint, and financial forecast models; experience with nCino loan origination platform a plus.
• Strong analytical and organizational skills with the ability to proactively manage and prioritize workflow.
• Strong interpersonal skills with a proven ability establishing client relationships and working within a team environment.
Benefits:
Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance
Compensation
The estimated salary range for this role is $77,000 - $110,000 along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills and experience.
From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.
Skills Required
- Bachelor's degree in accounting, finance, business or equivalent education.
- 3+ years commercial and industrial underwriting and/or portfolio management experience.
- Working knowledge of banking environment, products, supporting processes and technology.
- Proficiency in MS Office: Excel, Word, PowerPoint, and financial forecast models.
- Formal bank credit training.
- Experience with nCino loan origination platform.
- Strong analytical and organizational skills with ability to manage and prioritize workflow.
- Strong interpersonal skills and ability to establish client relationships and work in a team.
Wintrust Financial Corporation Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Wintrust Financial Corporation and has not been reviewed or approved by Wintrust Financial Corporation.
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Affordable Benefits — Employer covers a large share of medical premiums, making health coverage comparatively low cost. Plan options are broad and pair with HSA/FSA choices and wellbeing programs.
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Parental & Family Support — Paid maternity, parental, and adoption leave are structured and fully paid, with backup childcare access through Bright Horizons. Adoption assistance and family support resources further strengthen caregiving support.
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Retirement Support — A 401(k) with a company match and an employee stock purchase plan provide multiple savings and ownership avenues. Match mechanics and plan access are noted features of the total rewards offering.
Wintrust Financial Corporation Insights
What We Do
Wintrust Financial (Wintrust) is a financial services holding company based in Rosemont, Illinois, with $50 billion in assets. Wintrust engages in the business of providing traditional community banking services, wealth management services, commercial insurance premium financing, mortgage origination and more.
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