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Heartland Financial USA

Job: Credit Analyst II

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Jobing Description

Heartland Financial USA, Inc. is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes "Great Things Happen!"


The Credit Analyst II is responsible for conducting credit analyses consisting of gathering, analyzing and interpreting credit information for existing and prospective customers in order to assess credit quality and to minimize risk and potential loss on commercial, real estate, agricultural, non-profit and personal loans.


1. Analyze historical financial statements, including year-end and interim business statements and guarantor personal financial statements.
2. Analyze projected customer prepared financial statements, which would include Bank-adjusted sensitivity analysis of the projections.
3. Evaluate repayment ability, including both historical and projected cash flow.
4. Evaluate the adequacy of loan structures.
5. Assess collateral valuation and coverage.
6. Identify risks related to borrower operations.  This will include an understanding of the history of business, ownership, type of business entity, and industry/sector of the borrower.  
7. Evaluate of industry and economic risks. 
8. Prepare credit write-up.  This will include a summary of credit risks, identification of loan policy exceptions, proposed improvements to loan structure, and assessment of the loan rating.
9. Evaluate of loan relationships identified as problem credits via the completion of problem loan worksheets on a monthly basis.
10. Actively participate in Business Case discussions with Credit Officers and Lenders.


1. Bachelors Degree in Finance or Accounting
2. 3-5 years experience/training as a credit analyst or commercial loan officer
3. Or equivalent combination of education and experience

Scheduled Weekly Hours:


Time Type:

Full time

Founded in 1981, Heartland Financial USA, Inc. is a multi-billion multibank holding company offering uniquely different banking solutions for business and personal clients. Heartland's independent community banks are chartered in the Midwestern, Southwestern and Western United States.

The Heartland vision is to differentiate itself by highlighting its uniqueness as a commercial banking organization supported by a strong retail delivery system. As one of the top 100 bank holding companies nationwide, Heartland delivers high-quality financial products and service to clients in the Midwestern, Southwestern and Western United States.

Heartland's common stock is traded through the NASDAQ® Global Select Market System under the symbol "HTLF."

EOE/AA Employer · M/F/Disabled/Vet

Member FDIC · Equal Housing Lender

Employment at Heartland Financial USA, Inc. is employment at will

Posted 30+ Days Ago

Full time


Skills / Requirements

Important Notes

Contact Us

(563) 589-2000