Wintrust is a financial holding company with approximately $50 billion assets under management and traded on the NASDAQ:WTFC. Built on the "HAVE IT ALL" model, Wintrust offers sophisticated technology and resources of a large bank while focusing on providing service-based community banking to each and every customer. Wintrust operates fifteen community bank subsidiaries with over 170 banking locations in the greater Chicago and southern Wisconsin market areas. Additionally, Wintrust operates various non-bank business units including commercial and life insurance premium financing, short-term accounts receivable financing, out-sourced administrative services, mortgage origination and purchase, wealth management services and qualified intermediary services for tax-deferred exchanges.

Why join us?

• An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 9 years) and Employee Recommended award by the Globe & Mail (past 6 years)




• Competitive pay and discretionary or incentive 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




• With 175+ community bank locations, we offer opportunities to grow and develop in your career




• Promote from within culture

Why join this team?

• We are a high performing, collaborative, and diverse team focused on provides opportunities for individual growth;




• We work across disciplines and departments, with opportunities for exposure to and partnership with executive management and exposure to top tier real estate professionals




• We are seeking a critical thinker who is able to adapt to emerging risks and regulatory changes; is ready to take on new challenges in support of our stakeholders’ ever-evolving business needs and is willing to learn and not afraid of taking on new initiatives.




• Gain experience and further your career by joining a growing organization

Position Overview:

This role will assist and manage a portfolio of commercial real estate credits/relationships in a fast-paced, regulated environment. Candidates should have sound knowledge of credit policy and commercial real estate finance to make recommendations in accordance with bank policies and procedures. Candidates should be able to manage certain transactions with little guidance and contribute to more complex transactions with guidance from senior staff. The ideal candidate is initiative-taking, has strong analytical and writing skills, and can multi-task across job functions, various client needs and competing bank priorities.  This position is located in Rosemont and is currently 4 days in the office and 1 day remote.

What you will be doing:

• Responsible for managing a portfolio of credit relationships – including gathering, analyzing and underwriting all business and personal financial data collected for the purpose of issuing, extending, amending, reviewing, monitoring and testing a commercial credit facility. The candidate is expected to liaise between all parties to ensure timely and efficient analysis that meets the expectations of the Borrowers, Lenders and Administration Team.




• Proactively manage annual portfolio review process, covenant testing, quarterly construction, and exception/covenant reporting by obtaining updated financials and working closely with analysts in the Northwest Underwriting Hub.




• Work with analysts to ensure proper Moody’s reporting and accuracy of new covenants/tracking requirements.




• Create comprehensive, detailed, and thoughtful opportunity memos and full credit approvals for new business clients, including client and sponsors’ background, history, market experience and global real estate portfolio.




• Provide accurate financial analysis, profitability, and risk assessment to make lending decisions on new, renewal and extension loans for the following asset types: multifamily, office, medical office, industrial, retail, and self-storage.




• Manage workflow of other analysts by aligning tasks with departmental goals and objectives.




• Oversee documentation and ongoing monitoring of asset and client performance.




• Work with relationship managers and loan administration to facilitate loan closings, modifications, and renewals. Work with external and internal business partners on review of deal related legal documents.




• Review credit approval memorandums and attorney-prepared loan documents for new and renewed loans to ensure compliance and adherence to the loan approval guidelines.




• Develop a working knowledge of credit/loan policy for credit requests and exceptions.




• Interact with lending staff, deal teams and clients in a welcoming and professional manner.

Qualifications:

• Bachelor's degree




• 3-7 years of relevant experience involving Commercial Real Estate credit, underwriting and negotiating experience.




• Formal Credit Training required




• Knowledge of WHC or similar bank policies and procedures preferred.




• Must be comfortable asking questions, seeking advice, requesting help, and articulating concerns to bank senior management, legal counsel, and others in a timely manner.




• Knowledge of current market, geography, and economic conditions.




• Understanding of industry and clients and their impact on credit.




• Active member participation in local community or industry organization.

#LI-HYBRID

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 be Chicago’s Bank® and Wisconsin's Bank®, we need to reflect that diversity both in all the communities we serve, the people we employ, the organizations we work with, and our banking and lending practices. 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, national origin, sex, sexual orientation, gender identity and expressions, genetic information, marital status, age, disability, or status as a covered veteran or any other characteristic protected by law.