---
title: Commercial Banking Associate
description: American Community Bank & Trust is hiring for the Commercial Banking Associate
  role in Crystal Lake, IL. See the full description and apply.
type: job
url: https://www.foundrole.com/jobs/commercial-banking-associate-at-american-community-bank-and-trust-01a18535-770f-77fa-b579-1bf0ed4dc4aa
date: 2026-10-29T01:46:35Z
og_description: Join American Community Bank & Trust as Commercial Banking Associate in Crystal
  Lake, IL. Pays $70K–$95K per year.
og_image: https://www.foundrole.com/og/pz068m.png
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  - label: Home
    url: https://www.foundrole.com/
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    url: https://www.foundrole.com/jobs
---

| | |
|---|---|
| **Company** | American Community Bank & Trust |
| **Location** | Crystal Lake, IL |
| **Salary** | $70K/yr - $95K/yr |
| **Type** | Full Time |
| **Posted** | Oct 28, 2026 |

## Is this job real?

**Ghost job check:** A · Low risk. Probably a real opening.

## Visa sponsorship

- **H-1B:** No H-1B sponsorship on record for American Community Bank & Trust.
- **E-Verify:** No E-Verify enrollment on record for American Community Bank & Trust.

## Pay for similar jobs

Most similar jobs pay $77,000 – $121,000 a year (median $85,000).

## Description

**American Community Bank & Trust (ACBT)** is seeking a Commercial Banking Associate (CBA) to join our team in support of the Division Head and our commercial banking officers for our McHenry County Commercial Division. In this role, you will help establish, nurture, and maximize relationships with existing and potential clients to drive profitable growth in loans, deposits, and fees. You will also coordinate both onsite and offsite events for your division as needed, and work closely with the team to ensure strong client experience and effective coordination with the CBA team across the bank.

**PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:**

- **ACBT in Action**: Model and advance the bank’s Mission and Core Values through your words, behavior, and attitude.
- **Facilitate onboarding** of new commercial relationships by coordinating account, treasury, and loan details so required documentation is complete at inception. Provide guidance to officers and clients on account opening and loan documentation items.
- **Deposit Services**
  * Open, document, and maintain business and retail deposit accounts.
  * Set up and maintain support products (sweeps, overdraft protection, debit cards, order checks, deposit stamps, etc.) as assigned.
  * Complete manual wires and internal transfers.
  * Process deposits for checks received in AH to client accounts and related loan fees; communicate receipt of funds internally as appropriate.
  * Monitor daily client activity reports (overdrafts, chargebacks) and engage Deposit Ops for disputes/research as needed.
- **Treasury Management Support**
  * Identify TM cross-sell opportunities for existing clients and engage the TM Officer for follow-up and documentation.
  * Unlock/reset passwords and update Mobile Deposit limits; refer clients to the TM Officer for troubleshooting when required.
  * Assist with annual TM certifications and participate in treasury presentations/demos as requested.
- **Credit Administration/Support**
  * Contact clients to maintain current credit files (financial statements, borrowing base certificates, insurance, exceptions, covenant items, etc.).
  * Track progress on financials, loan exceptions, and post-close items; update financial ticklers upon receipt of acceptable items.
  * Monitor ShareFile submissions and distribute items to the appropriate individuals.
  * Coordinate upload of financials for new client relationships and support Reg B compliance as assigned.
- **Loan Documentation Support**
  * Communicate borrower CIP documentation needs and assist with due diligence/profile setup in the required system per policy.
  * Coordinate UCC/lien searches, title/flood/geocoding, and other ordered items with the appropriate teams; support resolution of open items.
  * Assist with preparation and submission of loan documentation packages for processing and funding as assigned.
  * Coordinate loan closing support and notarizations when required.
- **Client Relationship Management**
  * Communicate with prospects/clients as an extension of the banking officer; support relationship-building through visits as needed.
  * Prepare relationship packets and client relationship reviews as required.
  * Create and maintain prospect/client electronic files and keep CRM/spreading data current across pipelines.
- **Event Coordination:** Coordinate onsite/offsite events for your division/facility as needed to support client experience and team alignment.
- **Cross-Training/Back-Up Support:** Cross-train team members and provide back-up support as needed.
- **Compliance and Procedures**
  * Utilize published forms and procedures; flag discrepancies/updates to the appropriate owner.
  * Remain in compliance with applicable banking regulations and internal policies.

**SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:**

- Seek opportunities to strengthen the bank’s relationships with the community.
- Other duties as assigned or directed by management.

**Education**

Bachelor’s degree from an accredited institution (specialized training in lending, loan documentation, and compliance is a plus).

**Experience**

Minimum of 5 years of relevant experience, preferably in commercial banking or financial services.

**Other Skills and Abilities**

- Strong client service focus and professional, courteous demeanor.
- Ability to manage and nurture client relationships.
- Strong communication skills for negotiating moderately complex deals and maintaining relationships.
- Proficiency with relevant computer systems and tools; strong attention to detail and accuracy.
- Strong math/financial acumen and ability to analyze financial data.
- High ethical standards, tact, diplomacy, and confidentiality.

**PERFORMANCE MEASURES:**

- Quality and accuracy of work performed
- Reliability, thoroughness, and timeliness of services are provided
- Adherence to bank policy and Federal and State Regulatory requirements
- Participation in training and appropriate professional developments
- Punctuality and consistent attendance
- Professionalism and adherence to ACBT workplace decorum
- Meets or exceeds annual performance goals aligned with the strategic plan

*ACBT is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, age, sex, national origin, non-disqualifying physical or mental disability status, genetics, protected veteran status, sexual orientation, gender identity, or any other characteristic protected by federal, state or local laws. All employment decisions are made on the basis of qualifications, merit and business need. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.*

Full-Time; Onsite; Exempt

401k, Medical, Vision, Dental, Disability, Life, +
## Skills

- Loan Documentation
- Onboarding
- Regulation B (Equal Credit Opportunity Act)
- Presentations
- Customer Support
- Due Diligence
- Credit Administration
- Uniform Commercial Code (Ucc)
- Chargeback Management
- Event Coordination
- Relationship Building
- Punctuality
- Confidentiality
- Lending
- Banking Regulations
- Customer Relationship Management
- Cross-Selling
- Banking
- Loan Closing
- Strategic Planning
- Cross-Training
- Presentation Skills
- Financial Services
- Commercial Banking
- Treasury Management
- Deposit Services
- Coordinating
- Financial Acumen
- Attention to Detail
- Account Opening
- Relationship Management
- Financial Statements
- Communication
- Treasury
- Deposit Accounts
- Regulatory Compliance
## Benefits

- Life Insurance
- Dental Insurance
- Health Insurance
- 401(k) Plans
- Disability Insurance
- Vision Insurance

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