Credit Analyst II jobs in United States
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Heartland Bank and Trust Company · 2 hours ago

Credit Analyst II

positionBloomington, IL
timeFull-time
remoteOnsite
seniorityEntry, Mid Level
money$58K/yr - $85K/yr
date2+ years exp

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois, and is committed to preserving strong ties to the community. The Credit Analyst II supports the Bank's commercial lending activities by analyzing financial information to assess risks related to business credit requests and existing loans.

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
Interact with senior management regarding identified credit issues
Participate in cross-training in various departments throughout the bank to gain an understanding of how other departments operate
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
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
Minimum 2 years credit/lending 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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