Commercial Credit Analyst

**ESSENTIAL DUTIES AND RESPONSIBILITIES**
- Supports lenders through financial/credit analysis in support for new loans, renewals and loan reviews.
- Researches and analyzes pertinent financial information for existing and potential commercial and consumer clients.
- Evaluates borrower creditworthiness by analyzing personal and corporate documents including balance sheets, income statements, tax returns, K1 schedules, etc.
- Prepares and presents to Loan Officer written credit package for credit approval, ensuring that all credit policy guidelines are adhered to and deviations are properly noted with valid and supporting mitigants.

**EDUCATION and/or EXPERIENCE**

Bachelor's degree in Accounting or Finance preferred or comparable credit underwriting experience. Strong verbal and written communications skills. PC proficient in MS Word and Excel.

Excellent benefits

Great work environment

Heartland National Bank is an Equal Opportunity Employer of women, minorities, protected veterans & individuals with disabilities.

**Benefits**:

- 401(k)
- 401(k) matching
- Dental insurance
- Employee assistance program
- Employee discount
- Health insurance
- Health savings account
- Life insurance
- Paid time off
- Professional development assistance
- Tuition reimbursement
- Vision insurance

Schedule:

- Monday to Friday

**Education**:

- High school or equivalent (required)

**Experience**:

- Credit Underwriting: 3 years (preferred)

Ability to Commute:

- Sebring, FL 33870 (required)

Work Location: In person