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Heartland Bank and Trust Company · 1 day ago

Credit Analyst I

Bloomington, IL

Full-time

Onsite

New Grad, Entry Level

$53K/yr - $77K/yr

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois, and they are seeking a Credit Analyst I to support their commercial lending activities. This role involves analyzing financial information, assessing borrower risks, and collaborating with loan officers to optimize credit underwriting decisions.

Asset ManagementBankingConsumer LendingCredit CardsDebit CardsFinancial ServicesLendingPersonal FinanceRetirementWealth Management

Responsibilities

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

Participate in cross-training in various departments throughout the bank to gain an understanding of how other departments operate

Other credit administration duties and special projects as assigned

Qualification

Financial analysisRisk assessmentLoan underwritingFinancial metrics calculationCollaboration with loan officersWritten communicationVerbal communicationProblem detection

Required

Bachelor's Degree Finance, Accounting, or Business preferred or equivalent combination of education and experience

Benefits

Competitive benefits package

Company

Heartland Bank and Trust Company

The Drake family arrived in Central Illinois in 1852, and set down roots that still run deep.

Founded in 1964

Bloomington, Illinois, USA

501-1000 employees

http://hbtbank.com

Funding

Current Stage

Public Company

Total Funding

$40M

2020-09-16Post Ipo Debt· $40M

Leadership Team

Diane Lanier

Executive Vice President / Chief Retail Officer

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