Make the change and be the difference. Take ownership at MCB!

Established in 1960 with just one location in Morton, IL, Morton Community Bank (MCB) has grown to over 600 employees, 55 branch locations and over $5 billion in assets! We pride ourselves on our dedicated service to our customers and our communities, while placing much value on our internal assets, our employees. Each MCB employee OWNS a portion of the bank with our ESOP (Employee Stock Ownership Plan). The ESOP has proven to be a substantial benefit to employees upon retirement.

Enjoy the Benefits of working at MCB!

Employee Paid Voluntary Benefits: Medical, Dental, Vision, Short-Term Disability, HSA, FSA, 401k.

MCB Paid: Life and AD&D Insurances and Long-Term Disability, Vacation Days, Personal Days, and Paid Holidays.

Job Summary

Assess the risk of extending credit to both individuals and other businesses based on their credit profiles. Assist management and lenders in evaluating commercial loan requests by analyzing repayment capacity, preparing spreadsheets, summaries, and opinions for Lenders/Management, and preparing presentations to bank loan committees.

Essential Duties & Responsibilities
• Evaluate the financial information and credit data to determine the risk associated with lending money to the industry and principles
• Determine if the loan structure is compliant with bank and/or regulatory policy and if it is appropriate for the loan request
• Prepare financial statement spreads using the Bank’s preferred financial statement analysis software
• Prepare in-house spreadsheets designed to quantify borrower's personal, global, and real estate debt service abilities
• Compare credit histories, liquidity, and profitability of companies being evaluated with similar companies in the same industries and locations
• Prepare narrative analysis of findings and recommendations for lenders
• Communicate with Lenders about the loan requests and any questions that must be answered prior to submission.
• Assist with financial covenant compliance, borrowing base compliance, and floor plan agreements monitoring as requested
• May assist, coordinate, and attend loan committee
• Complete required BSA/AML training and other compliance training as assigned
• Ability to work in a constant state of alertness and in a safe manner
• Perform any other related duties as required or assigned

Supervisory Requirements
Personnel Management: This position has no supervisory responsibilities.

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.
· The physical activities of this position may include climbing, reaching, standing, lifting, talking, hearing, and performing repetitive motions
· Medium exertion: exerting up to 50 pounds of force occasionally, and or up to 20 pounds of force frequently, and or up to 10 pounds of force constantly to move objects
· The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; viewing a computer terminal

Work Environment
The work environment characteristics 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.
· The noise level in the work environment is usually moderate
· Employees, who work 7 ½ continuous hours or more, must take a 30-minute uninterrupted lunch break no later than 5 hours after beginning their workday

Education and Qualifications
Essential:
· Bachelor’s degree, preferably in Finance, Accounting, Economics, or a related financial field OR commensurate years of experience within the banking industry with strong aptitude for financial credit analysis
· Excellent written and verbal communication skills
· BSA and other Bank related training through BAI is required annually
Desirable:

Experience
Essential:
· Self-starter with minimal need for hands-on instruction
· Knowledge of customer service principles
· Relevant computer skills
Desirable:

This job description is not an employment contract, implied or otherwise; therefore, employment relationship remains "at-will."