Mortgage Credit Manager Salary in Illinois, USA

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 annual discretionary bonus eligibleComprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company matches and tuition reimbursement to name a fewFamily-friendly work hoursWith 175+ community bank locations, we offer opportunities to grow and develop in your careerPromote from within cultureExcellent opportunity to be part of a growing segment of Wintrust Bank! St. Charles Bank and Trust is seeking an experienced Relationship Manager to join our Business Banking team. Territory includes, Elgin, St. Charles, Geneva, and Aurora.The Sr. Relationship Manager, Business Banking is responsible for acquisition, retention and expansion of new and existing loan, deposit and treasury relationships. This position provides exceptional service to build and strengthen customer relationships by promoting products and services as appropriate to identify and fulfill customer needs.What You’ll DoIncrease the Bank’s profitability by cultivating new commercial business relationshipsMaintain and develop existing portfolio by assessing and meeting client’s business and personal needs; negotiate proper loan structure and effectively cross sell productsMaintain properly documented files and manage renewals and collection efforts on past dues and defaulted loansMaintain comprehensive understanding of current commercial products offered in the market and keeps informed of all relevant industry trends and practicesTake ownership of credit sheet content and quality by working closely with credit analysts on their successful and timely completionWork closely with internal partners to generate internal referrals as wells as developing an external network of centers of influenceResponsible for understanding the impact of lending on the bank’s CRA goalsQualificationsBachelor’s Degree or equivalent work history7+ years’ commercial lending/banking experienceFormal bank credit training is highly preferredSolid understanding of general credit and risk principles, mitigates, and banking policies/proceduresExceptional verbal and written communication skillsStrong interpersonal skills with a proven ability establishing client relationships and working within a team environmentExcellent organizational skills with the ability to proactively manage and prioritize workflowBenefitsMedical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance#LI-Onsite#LI-AC1From 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.

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 10 years) and Employee Recommended award by the Globe & Mail (past 6 years)Competitive pay and annual discretionary bonus eligibleComprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a fewFamily-friendly work hoursWith 175+ community bank locations, we offer opportunities to grow and develop in your careerPromote from within cultureWe are looking for an experienced Relationship Manager to join our Community Banking team!Territory includes Lawndale/North Lawndale, Douglass Park, and Near West Side.The Small Business Relationship Manager is responsible for the acquisition, retention, and expansion of new and existing loan, deposit, and treasury relationships. In this position, you will help structure, underwrite, negotiate, and manage complex credit relationships.What You’ll DoResponsible for annual goals tied to loan and deposit volume, cross-sales, call planning/prospecting and fee income generationManage and grow existing customer relationships with businesses that generally have up to $2M in revenueNurture and develop existing portfolio by assessing and meeting client’s business and personal needsNegotiate proper loan structure and effectively cross sell productsMaintain properly documented files and manage renewals and collection efforts on past dues and defaulted loansBuild and manage a professional network of COI’s and referral sourcesMaintain a stable network of prospective customers with a consistent approach to callingQualificationsBachelor’s Degree in related field preferredMinimum 3 years’ relationship, community, and/or small business banking experienceCompletion of formal bank credit training program, preferred but not requiredExcellent verbal and written communications skillsStrong analytical, organizational and time management skills with the ability to proactively manage and prioritize workflowStrong interpersonal skills with a proven ability establishing client relationships and working in a team environmentBenefitsMedical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance#LI-ONSITE#LI-AC1From 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.

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 10 years) and Employee Recommended award by the Globe & Mail (past 6 years)Competitive pay and annual discretionary bonus eligibleComprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a fewFamily-friendly work hoursWith 175+ community bank locations, we offer opportunities to grow and develop in your careerPromote from within culture The Commercial Credit Portfolio Manager supports the Government, Non-Profit, Healthcare & Education team by managing a number of non-profit credits ranging from $5M to $70MM in global exposure on a daily basis. In this role, you will evaluate nonprofit banking loan requests with revenues typically between $5M to $1B using a thorough knowledge of loan policy, guidelines, and procedures. What You’ll DoCommunicate with and effectively interact with all levels of management, including lending personnelAnalyze the financial condition of existing and prospective bank customers; accurately review financial statements submitted by applicants and evaluate a borrower’s ability to repayRecognize trends, positive or negative, impacting risk to repayment, the Bank’s collateral position or ability of the business to satisfactorily operate  Recommend risk rating adjustments, higher or lower, supported by changes in the borrower’s financial condition, collateral or other factors impacting the credit’s riskAnalyze industries and has a thorough knowledge of the risks associated with those industries.  Assess the risks inherent in each industry and suggests appropriate financing structures accordinglyMaintain tickler system for accurate tracking and reporting of borrower required reporting including financial statements, covenants, etc.Make sound credit decisions based on accurate analysis of information provided with loan requestsSeek alternative means of financing or counter offers for all borrowers, if appropriate, when it is determined that the original request cannot be accommodated QualificationsBachelor’s Degree in finance, accounting, or economics (preferred)6+ years relevant experience managing commercial loan accountsExperience in identifying documentation risks, addresses, and/or negotiating to resolution with the ability to determine went to elevate risk situations to appropriate individualsEffective time management skills with the ability to balance multiple prioritiesStrong executive presence and presentation skillsProficiency in MS Office Benefits Medical Insurance • Dental • Vision • Life insurance • Accidental death and dismemberment • Short-term and long-term Disability Insurance • Parental Leave • Employee Assistance Program (EAP) • Traditional and Roth 401(k) with company match • Flexible Spending Account (FSA) • Employee Stock Purchase Plan at 5% discount • Critical Illness Insurance • Accident Insurance • Transportation and Commuting Benefits • Banking Benefits • Pet Insurance #LI - ONSITE#LI - AC1 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.