Credit Analyst

About this role

• Dieterich Bank | Effingham, IL | Full-Time Join the Green Team at Dieterich Bank!
• Dieterich Bank is seeking a Credit Analyst to join our team at our Corporate Center in Effingham, Illinois.
• In this role, you will analyze and monitor the creditworthiness of existing and prospective customers, with a strong focus on commercial lending.
• You will perform underwriting and financial analysis for commercial borrowers, typically with credit exposures exceeding $1,000,000.
• Your analysis and recommendations will help loan officers and the Directors' Loan Committee make informed lending decisions.
• This position requires sound judgment, strong analytical skills, and the ability to independently evaluate credit risk.
• Responsibilities * Analyze financial statements, tax returns, and related financial information.
• * Underwrite commercial loan requests and evaluate credit risk.
• * Prepare credit presentations and recommendations for loan approval.
• * Monitor and review existing commercial loan relationships.
• * Assist loan officers with financial analysis and credit-related questions.
• * Ensure compliance with bank policies and lending guidelines.
• Qualifications * Bachelor's degree in Finance, Accounting, Business, or a related field.
• * 3-5 years of experience in credit analysis, commercial underwriting, or a similar lending-related role.
• * Strong analytical, problem-solving, and decision-making skills.
• * Ability to manage multiple priorities and meet deadlines.
• * Excellent verbal and written communication skills.
• * Experience analyzing financial statements and tax returns.
• * Demonstrates Dieterich Bank's core values of Integrity, Value, Service Excellence, and Teamwork.
• About Dieterich Bank Dieterich Bank is a community-focused financial institution with approximately $1.5 billion in assets, serving customers through 16 locations across South Central Illinois and the Metro East region, as well as a Loan Production Office in South County, St.
• We have been recognized as one of the Best Places to Work in Illinois for eight consecutive years.
• We are committed to providing a positive workplace culture that supports work-life balance, professional growth, and community involvement.
• Benefits * Health Insurance * Dental Insurance * Vision Insurance * Life Insurance * AD&D Insurance * Long-Term Disability Insurance * 401(k) with Employer Match * Employee Assistance Program (EAP) * Discretionary Bonus Plan * Discretionary Profit Sharing Plan * Paid Time Off (vacation, personal, sick time, and holidays) * Paid Volunteer Time (8 hours annually) Work Schedule This is a full-time, on-site position based at our Corporate Center in Effingham, IL.
• Typical hours are Monday through Friday, 8:00 a.m.
• to 5:00 p.m.
• Occasional evening, weekend, and travel requirements may be necessary to meet customer needs and business demands.
• Apply Today Interested in becoming an important part of Dieterich Bank's Green Team?
• We'd love to hear from you.
• Dieterich Bank is an Equal Opportunity Employer (EOE/AA/Veteran/Disability).

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