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Description
Please note: This is an in‑office position located in Springfield, Illinois About Us
At INB, your career is more than a job; it’s a chance to make a difference. As a locally owned, community‑focused bank, we help individuals and businesses reach their financial goals through personalized service and trusted relationships. Our team is built on care, creativity, teamwork, balance, smart work, and enthusiasm. Join us and be part of a purpose‑driven culture that makes a positive impact every day. Summary
The Commercial Portfolio Analyst plays a key role in supporting the growth, monitoring, and performance of INB’s Commercial Loan Portfolio. This position is responsible for ensuring compliance with loan covenants, maintaining accurate portfolio data, and contributing meaningful analysis of the bank’s C&I and CRE portfolios. The role requires strong problem‑solving abilities, solid data analysis skills, and a commitment to continuous process improvement. This position provides a unique opportunity to develop broad and deep knowledge of commercial lending operations while contributing to INB’s strategic objectives. Key Responsibilities
Monitor and track loan covenants, borrowing base reports, and loan exceptions. Prepare monthly and quarterly loan reports for management, ensuring accuracy and clarity. Track quarterly loan fees and identify variances or discrepancies. Maintain data integrity across all portfolio reports and systems. Complete construction progress reporting with attention to detail and follow‑up. Monitor automotive floorplan activity and identify potential risks or anomalies. Analyze portfolio data to identify trends, risk indicators, and opportunities for improvement. Assist in developing and refining processes to enhance workflow efficiency and reporting quality. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
Problem Solving – identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem‑solving situations; uses reason even when dealing with emotional topics. Project Management – develops project plans; coordinates projects; communicates changes and progress; completes projects on time and within budget; manages project team activities. Technical Skills – assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Customer Service – manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments. Interpersonal Skills – focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others' ideas and tries new things. Oral Communication – speaks clearly and persuasively in positive or negative situations; listens and obtains clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Written Communication – writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data effectively; reads and interprets written information. Qualifications
Education and/or Experience
Bachelor’s degree in business, accounting, or finance, or equivalent professional experience in the banking or financial industry required. Language Skills
Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one‑on‑one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent, and to draw and interpret bar graphs. Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills
Knowledge of spreadsheet software and word‑processing software. Physical Demands
The employee must occasionally lift and/or move up to 25 pounds. Reasonable accommodations may be made to individuals with disabilities to perform the essential functions. Salary
$40,000.00 to $50,000.00 annually. Benefits
INB provides health, dental, vision, and life insurance benefits to all full‑time employees. Coverage is also extended to eligible dependents. Active employees make premium contributions based on plan selections. Disability Statement
The above statements are intended to describe the general nature and level of work performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. For ADA purposes, the essential functions of the job may or may not have been described. All reasonable accommodation requests will be reviewed and evaluated on a case‑by‑case basis. Equal Employment Opportunity
INB, N.A. is committed to equal employment opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. We afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law Poster is available here. Know your rights: workplace discrimination is illegal.
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Please note: This is an in‑office position located in Springfield, Illinois About Us
At INB, your career is more than a job; it’s a chance to make a difference. As a locally owned, community‑focused bank, we help individuals and businesses reach their financial goals through personalized service and trusted relationships. Our team is built on care, creativity, teamwork, balance, smart work, and enthusiasm. Join us and be part of a purpose‑driven culture that makes a positive impact every day. Summary
The Commercial Portfolio Analyst plays a key role in supporting the growth, monitoring, and performance of INB’s Commercial Loan Portfolio. This position is responsible for ensuring compliance with loan covenants, maintaining accurate portfolio data, and contributing meaningful analysis of the bank’s C&I and CRE portfolios. The role requires strong problem‑solving abilities, solid data analysis skills, and a commitment to continuous process improvement. This position provides a unique opportunity to develop broad and deep knowledge of commercial lending operations while contributing to INB’s strategic objectives. Key Responsibilities
Monitor and track loan covenants, borrowing base reports, and loan exceptions. Prepare monthly and quarterly loan reports for management, ensuring accuracy and clarity. Track quarterly loan fees and identify variances or discrepancies. Maintain data integrity across all portfolio reports and systems. Complete construction progress reporting with attention to detail and follow‑up. Monitor automotive floorplan activity and identify potential risks or anomalies. Analyze portfolio data to identify trends, risk indicators, and opportunities for improvement. Assist in developing and refining processes to enhance workflow efficiency and reporting quality. Supervisory Responsibilities
This job has no supervisory responsibilities. Competencies
Problem Solving – identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem‑solving situations; uses reason even when dealing with emotional topics. Project Management – develops project plans; coordinates projects; communicates changes and progress; completes projects on time and within budget; manages project team activities. Technical Skills – assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Customer Service – manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments. Interpersonal Skills – focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others' ideas and tries new things. Oral Communication – speaks clearly and persuasively in positive or negative situations; listens and obtains clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Written Communication – writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data effectively; reads and interprets written information. Qualifications
Education and/or Experience
Bachelor’s degree in business, accounting, or finance, or equivalent professional experience in the banking or financial industry required. Language Skills
Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one‑on‑one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent, and to draw and interpret bar graphs. Reasoning Ability
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Computer Skills
Knowledge of spreadsheet software and word‑processing software. Physical Demands
The employee must occasionally lift and/or move up to 25 pounds. Reasonable accommodations may be made to individuals with disabilities to perform the essential functions. Salary
$40,000.00 to $50,000.00 annually. Benefits
INB provides health, dental, vision, and life insurance benefits to all full‑time employees. Coverage is also extended to eligible dependents. Active employees make premium contributions based on plan selections. Disability Statement
The above statements are intended to describe the general nature and level of work performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions. For ADA purposes, the essential functions of the job may or may not have been described. All reasonable accommodation requests will be reviewed and evaluated on a case‑by‑case basis. Equal Employment Opportunity
INB, N.A. is committed to equal employment opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. We afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law Poster is available here. Know your rights: workplace discrimination is illegal.
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