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Credit Analyst

Job Title: Credit Analyst
Department: SBA

Accountability Objectives:
This position is responsible for formulating and recommending approval/denial decisions on Small Business Administration loan requests. This position is responsible for effectively interacting with commercial lending personnel to provide information and assistance regarding underwriting and portfolio management activities across the portfolio.

Nature and Scope of the Position:

This position reports to the designated Wintrust SBA Lending Senior Vice President/ Division  Manager. 

This position will not have lending authority.

The incumbent is expected to successfully perform all duties of the Credit Analyst position.  The incumbent is responsible for knowledge of current Credit Administration procedures, Bank Loan Policy, Word, Excel and SBA Standard Operating Procedures.

Principal Accountabilities:

  1. Evaluates SBA loan requests, using a thorough knowledge of loan policy, guidelines, procedures and SBA standard operating procedures.
  2. Analyzes the financial condition of existing and prospective bank customers.  Accurately reviews financial statements and tax returns submitted by applicants and is capable of evaluating a borrower’s ability to repay.  Recognizes trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate.  Recommends risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s risk.
  3. Analyzes industries and has a thorough knowledge of the risks associated with those industries.  Assesses the risks inherent in each industry and suggests appropriate financing structures accordingly.
  4. As directed by management undertakes portfolio monitoring actions to identify shifts in risk trends and portfolio performance.
  5. Maintains tickler system (Baker Hill) for accurate tracking and reporting of borrower required reporting including financial statements, tax returns, covenants, etc.
  6. Responsible for making sound credit decisions based on accurate analysis of information provided with loan requests.
  7. Exhibits thorough knowledge of fair lending issues, rules and various regulations that directly impact the commercial lending area (e.g.  Regulation B, FACT Act, HMDA, CRA, etc.)
  8. Seeks alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated.
  9. Demonstrates effective time management by balancing multiple priorities within individual workload.
  10. Communicates with and effectively interacts with all levels of management, including lending personnel, loan operations staff and related departments.
  11. Performs other duties as assigned or required.


  1. Bachelor’s degree.  Preferably in a business related field such as accounting or finance.
  2. Minimum of 1 year of commercial underwriting experience or commercial relationship management experience is required.  Formal credit training is a plus.
  3. Requires sound understanding of commercial credit analysis techniques including cash flow, evaluation of collateral and is able to make timely decisions in a fast paced, time sensitive environment.
  4. Excellent verbal and written communication skills.
  5. Computer skills:  Thorough knowledge of Word and Excel.  Experience in spreading financial statements.  Comfortable with and adaptive to working in an evolving electronic environment.


Full Time Teller

Full Time Teller

Position Summary:
The teller position is the main point of contact to service customer transactions in the branch. This position requires constant contact with customers while responding to customer inquiries, processing customer requests, resolving customer issues or referring them to an appropriate party within the branch and making sales referrals.

Essential Duties and Responsibilities:

  • Accurately process customer banking transactions & affiliate transactions
  • Approve and perform check cashing following limits and D&Ps
  • Refer customers to other departments and meet referral goals
  • Assist with telephone reception
  • Balance ATM
  • Adhere to BSA, including CTRs and OFAC
  • Process night drop, mail-in deposits and lock box deposits
  • Balance cash drawer & stay within cash limits
  • Scan daily teller work
  • Prepare box for courier
  • *Other duties as assigned

Knowledge/ Skills/ Abilities Required:

  • Provide exceptional customer service
  • Has knowledge of and complies with all D&Ps and compliance
  • Ability to identify customer needs
  • Possess strong sales skills
  • Adhere to all security procedures
  • Ability to perform in highly disruptive conditions

Training/ Education/ Experience Qualifications: (Include licenses and certifications)

  • Basic cash handling skills
  • High school diploma or equivalent

Physical Requirements:

  • Ability to lift up to 30 lbs. coin bags or necessary supplies and equipment
  • Ability to manipulate coins and currency
  • Ability to effectively communicate verbally
  • Ability to stand for extended periods of time
  • Ability to perform basic mathematical computations
  • Ability to write and record numbers correctly and legibly


Personal Banker

Position Title:     Personal Banker
Department/Division:    Retail
Reports To:     Retail Branch Manager
FLSA Status:    Non-Exempt
Officer Status:    N/A

Position Summary: 
Provides professional, knowledgeable and exceptional customer service to meet the needs of retail and business customers and grow the bank’s deposits and loans.

Essential Duties and Responsibilities:

Possess strong sales skills.
Possess knowledge of products and services and cross sells appropriate deposit and loan products per clients needs.
Challenge self and team members to have insightful conversations with customers to obtain premier results.
Takes ownership and achieve timely resolution of customer issues or complaints.
Meet or exceed monthly goals.
Open, close and maintain accounts and process paperwork accurately.
Adhere to directives, procedures, regulations, bank secrecy, CIP and BAP guidelines.
*Other duties as assigned.

Knowledge/ Skills/ Abilities Required:

Possess strong sales skills.
Understand products and systems to ensure accuracy, safety, privacy.
Recognize red flags, possible fraud and proceed appropriately.

Training/ Education/ Experience Qualifications:
(Include licenses and certifications)
Obtains and maintains NMLS certification
Complete compliance training within time frames.
High school diploma.
5 years Personal Banking Experience

Supervisory Responsibilities:

Physical Requirements:
Must be able to lift up to 25 lbs.
Must be able to work in highly interruptive conditions.

Equal Employment Opportunity Policy:

“The management of the Corporation believes in equal employment opportunity.  We strive to select the best qualified person for every position based on merit, qualifications, previous experience and ability to perform the  work, without regard to race, color, national origin, ancestry, religion, sex,  sexual orientation, marital status, age, physical or mental disability, medical condition, pregnancy, childbirth, veteran status or protected activity (for example, having made a complaint of discrimination) or other characteristic protected by federal, state or local law.  Managers and supervisors must ensure that this policy is carried out in all aspects of our operations.”

Note:  This job description is not intended to be all-inclusive.  Employee may perform other related duties as assigned to meet the ongoing needs of the organization.


Customer Service Administrator

JOB TITLE: Customer Service Administrator – Retail Banking
Position reports to the Banking Center Manager


  • Flexible schedule which may include office opening and/or closing Monday through Saturday.
  • Greet customers and direct to their desired destination.  Maintain professional appearance and positive demeanor as position is the “face” of the organization.
  • Answer in-coming telephone calls for the Bank and direct as necessary.  Telephone console will reside in the Customer Service area.  Thorough knowledge of Interaction Client - VOIP (Voice Over Internet Protocol) required.
  • Assist customers in the safe deposit area
  • Pick up and distribute mail from local lock boxes at Post Office locations.
  • Coordinate/process incoming and outgoing special delivery mailings (FEDEX etc.).
  • Working knowledge of FIS Banker Insight/Teller Insight and Metavante Insight necessary.
  • Handle all service related issues such as changing PINs, account maintenance (name and address changes), provide account information (check clearings, check reorders, deposits etc.) and provide on-the-spot (or date certain) incident resolution as needed
  • Create and maintain Retail Department reports for sales tracking, account migration, account closure, departmental referrals, compliance/marketing initiatives and general sales activities.  Coordinate information with Finance Department as required.  (Requires experience in creating and updating EXCEL spreadsheets).
  • Provide support to the Retail sales team in producing follow-up letters, notes, collateral mailings and track responses.  (Requires experience in preparation of WORD documents). Supports the commercial team with special projects.
  • Take a lead role in researching account related incidents.
  • Manage special events under the direction of the Retail Manager to assure materials and participants are prepared and scheduled in a timely fashion.
  • Manage the Vendor Sign-In Process.
  • Perform teller transactions efficiently and accurately as needed. Balances drawer.
  • Assists teller team with operational tasks such as scanning, logs, night drop, end of day balancing as needed.
  • Assist other departments in monthly mailing of statements etc.
  • All other duties as assigned.


Universal Banker-NE

Position Title:    Universal Banker-NE
Functional Title (EEO): (if appropriate)    Universal Banker-NE (5A)
Department/Division:    Retail / Teller
Reports To:     Branch Manager
FLSA Status:    Non-Exempt
Officer Status:    Non-Officer

Position Summary: 
This mid-level, universal-banker-like position generally provides personalized banking services to clients including cash handling, opening of all various accounts, as well as providing support to team members by performing a variety of banking duties as outlined below:

Essential Duties and Responsibilities:
Including, but not limited to, the following (other duties may be assigned):

Complete the duties of a Universal Banker-NE, as well as:

As an ambassador for the bank, provides personalized banking services to clients by performing various duties, including cash handling, operates multi-line telephone system to answer incoming calls and directs callers; welcomes and announces visitors to appropriate personnel; and provides support to team members by performing various duties. Including but not limited to the following (other duties may be assigned):

  • Is able to express and bestow bank’s mission to clients – existing/potential, internal/external;
  • Possesses a professional image when greeting and welcoming all guests to the bank and assists as appropriate;
  • Identifies and promotes opportunities to fulfill needs for clients with the bank’s suite of products and services, including:  referring clients to our Personal Banking team and/or Treasury Management; and our affiliates:  Wintrust Wealth Management and Wintrust Mortgage;

Processes client transactions, including:  deposits; account withdrawals; cashing checks; and sales of cashier’s checks, traveler’s checks and gift cards, etc.

  • Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen;
  • Accepts loan payments;
  • Removes deposits from and counts and balances cash in automated teller machines (ATM) and night depository;
  • Accepts and prepares wires transfer requests for clients;

Assists clients with account inquiries such as:  balances, transaction history, item detail, online banking issues, or maintenance, etc.;

  • Fields routine inquiries, such as:  rates, types of account the bank offers, fees for routine services; etc.
  • Performs research and problem solving as needed for clients;
  • Performs account/client maintenance such as:  stop payments, funds transfers, ordering/maintenance/ inquiries of debit/ATM cards, and opening/renegotiating basic CDs, etc.;

Gathers all necessary information, prepares documentation, opens and maintains:

  • Personal deposit accounts such as:  certificates of deposit, checking, savings, and money markets accounts, etc.; and
  • Business accounts, fiduciary accounts, IRA/HSA accounts and safe deposit boxes, etc.;
  • Provides ongoing relationship servicing to clients by providing such services as check ordering, on-line banking, debit card issues, address changes, account titling changes, and other account/client maintenance to maintain goodwill and gain additional business;

Strengthens client relationships by identifying and promoting products and services as appropriate to client needs;

  • Possesses the ability to recognize potential relationship growth possibilities;

Performs administrative duties as needed, such as:   filing, photocopying, sorting and routing mail;

Supports the bank’s Community Reinvestment Act Program by participating in community service events, where applicable;

Maintain a working knowledge of applicable federal and state laws and regulations that govern the banking industry, as well as:

  • Adheres to and carries out all applicable banking laws and regulations, including but not limited to:  all Anti-Money Laundering/Bank Secrecy Act requirements.

Flexible work schedule for opening and closing the branch.

Supervisory Responsibilities:
This position has no supervisory responsibilities.

Knowledge/ Skills/ Abilities Required:

Language Skills
Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.  Ability to write reports, business correspondence, and procedure manuals.  Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public.   

Fluent in Spanish / Polish a plus.

Mathematical Skills 

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability
Ability to define problems, collect data, establish facts, and draw conclusions.  Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Computer Skills
To perform this job successfully, an individual should have knowledge of and intermediate to advanced skill level with a variety of computer software including, internet access, spreadsheet, electronic mail and word processing software.

Other Skills and Abilities
Ability to use a variety of office/production-related equipment such as:  a personal computer utilizing spreadsheet, word processing, email and internet access software; telephone; business calculator; adding machine; photocopier; facsimile machine, etc. 

Other Qualifications

Must be able to travel to the bank’s other locations dependent upon business need.

Training/ Education/ Experience Qualifications:
(Include licenses and certifications)
Education / Experience
High School Diploma (or GED or High School Equivalence Certificate). Some previous work-related skill, knowledge, or experience working directly with the public is preferred.
Licenses & Certifications
Current driver’s license.

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk or hear.  The employee is frequently required to stand, walk and sit.  The employee is occasionally required to reach with hands and arms.  The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

Work Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

The noise level in the work environment is usually moderate.

Equal Employment Opportunity Policy:
“The management of the bank believes in equal employment opportunity.  We strive to select the best qualified person for every position based on merit, qualifications, previous experience and ability to perform the  work, without regard to race, color, national origin, ancestry, religion, sex,  sexual orientation, marital status, age, physical or mental disability, medical condition, pregnancy, childbirth, veteran status or protected activity (for example, having made a complaint of discrimination) or other characteristic protected by federal, state or local law.  Managers and supervisors must ensure that this policy is carried out in all aspects of our operations.”