Credit Analyst I jobs in United States
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Heartland Bank and Trust Company · 10 hours ago

Credit Analyst I

positionAurora, IL
timeFull-time
remoteOnsite
seniorityNew Grad, Entry Level
money$58K/yr - $85K/yr

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. The Credit Analyst I provides support to the Bank's commercial lending activities by identifying and quantifying risks related to business credit requests and existing commercial loan relationships, conducting thorough financial analysis and communicating findings 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

Company

Heartland Bank and Trust Company

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The Drake family arrived in Central Illinois in 1852, and set down roots that still run deep.
dateFounded in 1964
location
Bloomington, Illinois, USA
people-size501-1000 employees
web-link
http://hbtbank.com

Funding

Current Stage
Public Company
Total Funding
$40M
2020-09-16Post Ipo Debt· $40M

Leadership Team

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Diane Lanier
Executive Vice President / Chief Retail Officer
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