Heartland Bank and Trust Company Credit Analyst 2496 in Aurora, Illinois

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Position Summary


The Credit Analyst independently identifies and quantifies risks related to business credit requests and existing commercial loan relationships.' The Credit Analyst is responsible for analyzing financial information and providing concise, well-written analysis reports as well as verbal recommendations to management to optimize credit underwriting decisions.' In addition, the Credit Analyst may assist loan officers with renewals and other portfolio management functions.


Credit Analyst I:' At a minimum, a bachelor's degree is required (preferably in Accounting or Finance).' The Credit Analyst I is an entry-level position and is primarily in training at this level; their work is limited to simple reports and other basic credit functions.' They may possess only a basic understanding of Heartland Bank's lending philosophy.' They will need to ask questions on a frequent basis and require ongoing oversight and coaching from a Senior Credit Analyst or the Credit Department Manager.


Credit Analyst II:' In general, one year of credit (or equivalent) experience is preferred.' At this level, the analyst has demonstrated a foundational knowledge of credit and the ability to work independently without needing much assistance.' They possess a sufficient understanding of Heartland Bank's lending philosophy and are able to communicate intelligently with loan officers and management about lending considerations.' The Credit Analyst II is considered fully-trained, but may require additional oversight from a Senior Credit Analyst or the Credit Department Manager for more complex credits or difficult situations.' The Credit Analyst II may be asked to take responsibility for specific projects or tasks.


Senior Credit Analyst: In general, two years of credit (or equivalent) experience is preferred.' At this level, the analyst has demonstrated a mastery of credit, and is proficient in all facets of the job.' The Senior Credit Analyst is able to analyze the most complex of credits without additional assistance, and is thoroughly well-versed in Heartland Bank's lending philosophy so as to collaborate with loan officers and management on loan structuring and pricing considerations.' The Senior Credit Analyst may assist the Credit Department manager with training or administration of the department, and is expected to provide suggestions and solutions for improving the efficiency of the department.' The Senior Credit Analyst may also be responsible for reviewing other analysts' work as well as mentoring less experienced analysts.


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