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The Agency

Credit Officer/Chief Credit Officer

The Agency, Elgin, Illinois, us, 60122

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About the Bank

This is a relationship-driven community bank with a focus on serving growing businesses. Known for its expertise in commercial lending, the bank provides tailored financing solutions for privately held companies and entrepreneurs. With a balance of local decision-making, financial strength, and a personal touch, the bank helps clients achieve their goals while maintaining a culture built on trust, speed, and collaboration. The Role

The bank is seeking a

Senior Commercial Underwriter

to support its expanding commercial portfolio. This role will evaluate, structure, and underwrite complex commercial loan requests, working closely with lenders and leadership to ensure sound credit decisions while supporting client needs. The ideal candidate will bring strong analytical skills, deep knowledge of commercial lending, and the ability to balance risk with opportunity. Key Responsibilities

Analyze and underwrite complex commercial loan requests, including C&I, CRE, and SBA transactions. Perform detailed financial, cash flow, and collateral analysis to assess risk and creditworthiness. Prepare thorough credit presentations and recommendations for loan committee review. Partner with commercial lenders to structure deals that meet client needs while aligning with bank policy. Monitor credit quality and ongoing performance of assigned relationships. Stay current on industry, regulatory, and market trends that may impact credit decisions. Provide guidance and mentorship to junior underwriters or analysts. Support a culture of collaboration between credit and lending teams. What We’re Looking For

Bachelor’s degree in Finance, Accounting, Business, or related field. 5+ years of commercial underwriting/credit experience, preferably in community or regional banking. Strong knowledge of commercial credit, financial statement analysis, and loan structuring. Experience with C&I, CRE, and SBA lending strongly preferred. Excellent written and verbal communication skills, with the ability to clearly present credit decisions. High attention to detail, strong analytical skills, and ability to manage multiple priorities. Collaborative, solutions-oriented mindset. Why This Role?

This is an opportunity to join a

forward-looking community bank with a growing commercial presence . As a Senior Commercial Underwriter, you’ll play a critical role in shaping credit decisions that support business growth while ensuring the bank’s long-term strength and stability. Please reach out to Kelli Jamison for additional information at 773-572-2993 or email at kelli@theagencyrecruiting.com

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