Heartland Bank and Trust Company · 20 hours ago
Senior Credit Analyst
Aurora, IL
Full-time
Onsite
Mid, Senior Level
$74K/yr - $116K/yr
4+ years expHeartland Bank and Trust Company is headquartered in Bloomington, Illinois, and they are seeking a Senior Credit Analyst to support their commercial lending activities. The role involves analyzing financial conditions of borrowers, collaborating with loan officers, and providing mentorship to junior analysts while ensuring adherence to lending policies.
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
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
Qualification
Required
Bachelor's Degree Finance, Accounting, or Business
Minimum 4 years credit/lending preferred or equivalent combination of education and experience
Company
Heartland Bank and Trust Company
The Drake family arrived in Central Illinois in 1852, and set down roots that still run deep.
501-1000 employees
Funding
Current Stage
Public CompanyTotal Funding
$40M2020-09-16Post Ipo Debt· $40M
Leadership Team
Diane Lanier
Executive Vice President / Chief Retail Officer
Recent News
Mergers & Acquisitions
2025-10-21
2025-10-20
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