Senior Credit Analyst

Wage Range:
Min: $74,018, Mid: $95,068, Max: $116,118

The Senior 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, while also assisting with the ongoing administration of the Credit Department. This role also supports the achievement of department objectives and the success of other Credit team members through mentorship and coaching of less tenured analysts.

The Senior Credit Analyst collaborates regularly with senior management, commercial loan officers and portfolio managers to maintain adherence to the Bank's written lending policies and to mitigate overall risk to the Bank.

• 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. Interact with senior management regarding identified credit issues.
• Work with loan officers and Special Assets personnel to prepare quarterly memos summarizing the status and action plans for the Bank's watch list borrowers.
• Assist Credit Supervisor with training of current and new team members and serve as a resource and mentor for new hires to assist in their development and training.
• Apply credit expertise by reviewing other analysts' work and providing direct feedback and coaching.
• Other credit administration duties and special projects as assigned.
• Maintain advanced knowledge of credit industry trends.

• Bachelor’s Degree Finance, Accounting, or Business and minimum 4 years credit/lending preferred or equivalent combination of education and experience.

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.

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

• 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.)

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.

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.