Senior Credit Analyst

Senior Credit Analyst As a Senior Credit Analyst, you’ll be at the heart of Heartland Bank’s business‑lending engine, shaping well‑reasoned, high‑quality lending applications across a portfolio that spans everything from everyday business needs to complex, high‑value transactions above $1.0m. Responsibilities Apply sharp judgemental credit analysis to both straightforward applications and nuanced, commercially driven deals that require real analytical flair. Prepare submissions that showcase insightful financial analysis, clear balanced credit‑risk assessment, transparent identification of risks and mitigants, and recommendations aligned with the Bank’s risk appetite while supporting great customer outcomes. Serve as a trusted voice in the credit process, articulating opportunity and risk with clarity and confidence. Collaborate with Brokers, Relationship Managers, Credit Managers, and Operations to deliver timely, high‑quality outcomes. Prioritise effectively, maintain pace, and ensure all activity aligns with AML/CFT requirements, internal policy, and the Bank’s risk appetite. Qualifications Strong analytical judgement and the ability to produce clear, accurate lending applications across exposures above and below $1.0m. Ability to gather, validate, and interpret financial information, turning statements, credit reports, and supporting documents into meaningful insights. Advanced Excel and financial‑modelling skills supporting robust financial analysis, including serviceability, cash‑flow assessment, and security coverage. Ability to identify key risks, recommend practical mitigants, and support accurate credit‑risk grading. Solid understanding of business structures and security types, with an enquiring, analytical mindset to navigate complex credit issues. Excellent communication skills and professionalism. EEO Statement Heartland Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, colour, religion, sex, national origin, disability status, or any other protected characteristic under applicable law. #J-18808-Ljbffr