Jobs › Wintrust

Credit Services Specialist

Wintrust · Rosemont, IL · $42,000–$55,000 a year · Full time

Posted Oct 2, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you managed many deadlines for different people at once.

What they are checking: Whether they can stay organized while supporting several lenders and analysts.

How do you make sure your work is accurate before it goes to a credit officer?

What they are checking: Whether they have habits to check their work, since credit decisions depend on it.

What would you do

A borrower's financial statements are overdue. How do you follow up?

What they are checking: Whether they are persistent and organized in collecting documents, which keeps credit files current.

You notice numbers in a tax return don't match the financial statements. What do you do?

What they are checking: Whether they catch inconsistencies and raise them rather than ignoring them.

A lender asks you to rush something that normally takes a day. How do you handle it?

What they are checking: Whether they can help with urgency while still protecting accuracy.

About the work

What experience do you have supporting commercial lending, such as spreading financials or preparing credit files?

What they are checking: Whether they have the background to support lenders and credit analysts from day one.

Walk me through how you'd spread a business's financial statements.

What they are checking: Whether they understand balance sheets, income statements and cash flow well enough to enter them correctly.

How do you track loan covenants and what do you do when a borrower misses one?

What they are checking: Whether they know covenant monitoring and that misses must be flagged to lenders quickly.

What would you look for when reviewing a loan file for missing documents?

What they are checking: Whether they know what a complete credit file needs for audits and regulators.

How strong are your Excel skills, and how have you used them in financial work?

What they are checking: Whether they can handle the spreadsheets and analysis the role uses daily.

Practice this interview out loud.

Offer builds a real interview for this exact role at Wintrust from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

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The full job description

As published by Wintrust.

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol “WTFC.” Why join us? • An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 8 years) and Employee Recommended award by the Globe & Mail (past 6 years) • Competitive pay and discretionary or incentive bonus eligible • Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few • Family-friendly work hours • With 175+ community bank locations, we offer opportunities to grow and develop in your career • Promote from within culture Why join this team? • We have a culture that encourages an entrepreneurial spirit • We offer multiple opportunities for development and upward mobility What you'll do: Responsible for processing financial reporting and covenant tracking requests from the commercial lending teams into the Bank’s monitoring system. Upload credit file documents to the Bank’s digital file system for Wintrust affiliate bank commercial loan portfolios. • Update the reporting and financial covenant tracking system per line of business (LOB) requests to include both covenant/tracking requirement updates and entity maintenance. • Verify appropriate documentation for updates/maintenance and ensure receipt of appropriate approvals for covenant waivers and modifications. Interact with LOB to obtain missing or incomplete information. • Upload documents to the digital file system as requested by the LOB to include verification of document type. Adhere to strict naming conventions and classification guidelines. • Provide client support for assigned charters. • Respond to and troubleshoot internal inquiries and issues. • Assist in special projects as needed. Qualifications: • 1-3 years’ experience general banking experience preferred, commercial lending and loan documentation experience a plus. • High school degree required. Associate’s or Bachelor's degree a plus. • Experience with covenant tracking and document imaging applications is a plus. • Experience with ImageCentre/FCM, nCino/Document Manager or Moody’s CreditLens is a plus. • Ability to perform duties with a high degree of accuracy and attention to detail in accordance with established procedures. 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 Compensation: The estimated annual salary range for this role is $42,000-$55,000, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidate’s qualifications, skills, and experience. #LI-Hybrid 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 build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. 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, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories.

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