Text "2060" to (309) 322-9911 to apply.

Wage Range: Min:$50,048, Mid:$63,352, Max:$76,656

A Brief Overview

The Credit Analyst provides support to the Bank's commercial lending activities by independently identifying and quantifying risks related to business credit requests and existing commercial loan relationships. This role is responsible for conducting a thorough analysis of financial information to assess and monitor the overall financial strength of the Bank's current and prospective borrowers. Communicate findings through written reports and verbal recommendations to optimize credit underwriting decisions. The Credit Analyst collaborates with commercial loan officers and portfolio managers to maintain adherence to the Bank's written lending policies and to mitigate overall risk to the Bank.

What you will do

• Analyze the financial condition and repayment capacity of commercial borrowers and guarantors in relation to new loan requests and renewals.
• Calculate and interpret key financial metrics to assess cash flow, leverage, liquidity, collateral coverage, debt serviceability, etc.
• Translate analysis findings into well-written loan presentations within established deadlines to allow credit officers to make informed loan decisions.
• Foster relationships and collaborate with loan officers and portfolio managers to ensure loans are structured properly to maintain adherence to the Bank's written lending policies, while also mitigating risk and maximizing profit to the Bank.
• Perform ongoing reviews of existing commercial loan relationships to ensure continued repayment ability and early detection of potential problems.
• Prepares monthly and quarterly management and board reports to assist management in assessing risks in the loan portfolio.
• Participate in cross-training with the Appraisal Department to enhance commercial real estate knowledge. Perform real estate evaluations to aid in determining value for properties not requiring an appraisal.
• Other credit administration duties and special projects as assigned.

Other Qualifications/Requirements

• Bachelor’s Degree Business Preferred or equivalent combination of education and experience
• Bachelor’s Degree Accounting Preferred or equivalent combination of education and experience
• Bachelor’s Degree Finance Preferred or equivalent combination of education and experience

Who We Are

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.

Heartland Bank’s mission is to “create value for the customer, earn a profit for the Bank, and have fun doing it!” At Heartland, employees have the opportunity to make a difference every day.

What We Offer

At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Click here to learn more about what benefits we have to offer.

Physical Demands

• Regularly: Sitting, Feeling/Touching, Talking, Hearing, Vision - close peripheral, depth
• Frequently: Standing, Walking, Grasping/Reaching - with arms and hands, Repetitive Motions
• Occasionally: Climbing and/or Balancing, Stooping, Kneeling, Crouching, and/or Crawling, Lifting (30 lbs.)

Equal Opportunities and Accommodations Statement

Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. We’re proud to be an equal opportunity employer, seeking to create a welcoming and diverse environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds.

Salary Disclaimer

The salary range represents the range of possible compensation at the time of posting. Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidate’s work experience, education/training, key skills, and internal equity.

The salary range minimum, midpoint, and maximum listed above represent a full range of career compensation growth over time in this position and pay grade. Starting pay typically starts between minimum and midpoint upon hire. The Bank offers compensation growth opportunities within its career architecture.