The individual hired for this role will be employed by Foresight Financial Group, however, physically located at State Bank, Freeport, a subsidiary bank.

Organization Overview:

Foresight Financial Group, Inc., an Illinois corporation founded in 1986, is a bank holding company established under the Federal Reserve with fifteen offices in the Northern Illinois counties of Winnebago, Stephenson and Kankakee. Holdings of the Foresight Financial Group, Inc. include German American State Bank located in German Valley, Pecatonica, and Winnebago; State Bank of Davis located in Davis and Kankakee; State Bank located in Freeport; Lena State Bank located in Lena; Northwest Bank located in Rockford, Loves Park and Machesney Park; and State Bank of Herscher located in Herscher and Kankakee.

Position Summary:

The Corporate Credit Analyst II supports the commercial lending function of Foresight Financial Group and its affiliate banks, through analysis of financial information to support the bank’s credit approval process and management of the credit portfolio. The Credit Analyst works closely with relationship managers, credit personnel, and management at the bank to document repayment capacity for all borrower types. This documentation includes written loan proposals for discussion in loan committees, as well as other financial analysis as needed.

Primary Responsibilities:

• Assist FFG affiliate banks in preparing written analysis for new commercial loan applications, with documentation of borrowers’ financial strengths and weaknesses. The analysis will include an assessment of the borrower’s cash flow, liquidity, leverage, collateral, guarantor support, and industry.
• Gather information on current and prospective borrowers through inquiries and investigations with trade suppliers, financial institutions, professional firms or individuals, and in-house information.
• Input financial statements into a financial software application and analyze reports produced by the application.
• Timely preparation of loan proposals and financial analysis.
• Accurate analysis of financial data.
• Active participation in loan committees and credit meetings.
• Complete understanding and application of loan policies and lending directives.
• Management of the supported bank’s renewal and annual review pipelines.
• Credit portfolio management activities as determined by bank and credit management.
• Assists with structuring of standard loan transactions.
• When applicable, provide credit expertise during customer/prospect calling efforts.
• Manages special projects at the bank and FFG levels.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Competencies:

Accounting: General understanding of Generally Accepted Accounting Principles. Capacity for assessing and interpreting numerical data and describing effectively in narrative format.

Project Management: Ability to work on multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.

Communicator: Effective written and oral communication skills.

Analytical Thinking: Strong analytical skills including the ability to address situations by using a logical, systematic, sequential approach.

Technical: Fluency in Microsoft Office (Word, Excel and PowerPoint). Knowledge of banking products, services, policies, procedures and regulations.

Collaboration/Interpersonal: Strong ability to collaborate with subsidiary bank management and functional groups. Interact with others positively and build relationships with internal and external customers.

Performance Standards:

Meet underwriting completion deadlines as established by Service Level Agreements between Foresight Financial Group and its affiliate banks.

Meet underwriting quality expectations

Performance Weightings:

40% Competencies

60% Position Performance Standards and Personal Goals

Qualifications:

Bachelor’s Degree in a business-related field or relevant banking experience. Three or more years of experience in the administration and analysis of commercial loans including experience in structuring and evaluating loan participations, credit relationships, and analyses of direct loans.