Credit Analyst

Job Title

Credit Analyst

In your role as Credit Analyst
, you will assist loan officers by assessing the financial condition and repayment capacity of business customers, as well as assisting with loan application preparation. Using a strong attention for detail, you will analyze financial statements to assess the strengths and weaknesses of a borrower’s historical operating performance and to include significant changes in the financial statements of the customer and identify trends in the statements.

– Your focus will include analyzing borrowers and/or industries, as you work to complete Credit Applications accurately, inclusive of collateral analysis. You will stay current on industry trends through researching industry specific information from outside sources such as industry publications, government agencies, and the Internet for the purpose of assisting loan officers with understanding financial information. You will maintain strong relationships with loan officers as you collaborate with them to communicate financial information about the borrower in order to facilitate an informed credit decision, explain industry specific complexities to help them understand the borrower’s financial condition, share insights to the market conditions that affect the borrower’s business or industry, and document compliance with policies and procedures, including but not limited to adherence to analysis and reporting deadlines.

You participate in corporate and individual projects, and so much more!

• 2+ years in commercial lending environment as a credit analyst, loan officer or related experience
• Bachelor’s degree in Finance, Accounting or Economics, or related field
• Knowledge and experience with: analyzing economic trends of commercial and agricultural business, proficiency in reading financial statements (i.e., compilations, reviews, audits, and governmental financial statements), the organization of personal, corporate, and partnership tax returns
• Skills in: analyzing data, organizing, clarifying, explaining, listening, time management and coaching others
• Proficient with Microsoft Office Suite, including advanced Excel knowledge and daily use.

• Medical, dental, vision, STD, LTD, Life insurance, etc.
• 17 days paid time off, 11 paid holidays and bereavement leave
• Education assistance program
• Wellness benefits
• Life event coverage
• Service awards
• Financial benefits including 401(k) match, stock purchase plan and more
• Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping

430 North Hamilton Road

Whitehall, Ohio, 43213

United States

Heartland Bank, a Division of German American Bank, and its family of financial services companies employ talented, compassionate people throughout the organization, truly making our Company special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.