Salary Range: $49,445 - $74,168

Your Job

If you're interested in providing support to the Bank’s commercial lending activities by independently identifying and quantifying risks related to business credit requests and existing commercial loan relationships, our Credit Analyst role may be for you! We invite you to consider joining our Credit team.

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.

Who You Are

• Bachelor’s degree in Business, Accounting, or Finance
  

Who We Are

Heartland Bank is a subsidiary of HBT Financial, Inc., a publicly traded financial holding company headquartered in Bloomington, Illinois. With the roots of the Bank dating back to 1920, Heartland has a long track record of providing personalized service and supporting the banking needs of businesses and families throughout our footprint. With 60+ branches throughout Central and Northeastern 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.

Salary Range Disclaimer

The base salary range represents the low and high end of the Heartland Bank salary range for this position. Actual salaries will vary depending on factors including but not limited to experience, and performance. The range listed is just one component of Heartland Bank’s total compensation package for employees.

Equal Opportunities and Accommodations Statement

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.

Physical Requirements

• Regularly: sitting
• Frequently: talking, hearing, vision - close, peripheral, depth, ability to adjust focus
• Occasionally: standing, walking, climbing and/or balancing, reaching with arms and hands, stooping, kneeling, crouching, and/or crawling, feeling/touching, lifting objects up to 30 pounds

Our available Benefits

We offer a competitive benefit package, including vacation and other paid time off.