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Retail Credit Officer

Company: Heartland Financial USA, Inc.
Location: Dubuque
Posted on: April 1, 2021

Job Description:

Employment at Heartland Financial USA, Inc. is employment at will 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!"---Under the direction of the Credit Center Manager the Retail Credit Officer 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 banking relationships, including consumer loans, private banking, portfolio mortgage loans, and residential construction loans.RESPONSIBILITIES:1.--Underwrite all consumer loan types entered into the system if a higher priority is not present.
2.--Provide further analysis on relationships in excess of established thresholds for Consumer products, Private Banking products, residential construction loans and portfolio mortgages.
3.--Analyze personal financial statements, personal tax returns, credit reports, and business tax returns to identify and analyze risks and repayment ability.
4.--Evaluate the adequacy of loan structure and collateral.
5.--Summarize findings in a Credit Center underwriting presentation which will be utilized by the designated approval authorities as a basis for the approval decision. Underwriting will summarize borrower's repayment ability; potential credit risks; identification of loan policy exceptions; and proposed improvement to loan structure.
6.--Summarize credit risk through providing a "Credit Admin Comment" to be included in Credit Center underwriting presentation.
7.--Review the retail and commercial loan file documentation for accuracy and compliance with approval and legal requirements as needed.
8.--Demonstrate knowledge of Heartland policy and regulatory requirements for aggregating exposure and identify appropriate approval authority for each request.
9.--Develop working relationships with Bankers throughout Heartland to increase the effectiveness of the Credit Center and improve turn around time.
10.--Possess a working knowledge of consumer lending laws and regulations and perform the steps necessary to document all loan requests as required by regulation.
11.--As needed, contact Banker or Senior Bank Management to discuss details of loan requests.
12.--Assist other Credit Center underwriters on more complex applications that require a higher level of personal and business knowledge or expertise.
13.--Complete annual E-Learning Plans and bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
14.--Perform other duties as assigned.REQUIRED SKILLS & EXPERIENCE:
1.--Bachelor's degree in business or finance.
2.--3-5 years of related experience as a credit analyst or commercial loan officer.
3.--Knowledge of Microsoft Office.
4.--Understanding of credit analysis, risk analysis and accounting and finance principles.
5.--Thorough knowledge of consumer lending, appropriate banking laws and regulations, and bank policies and procedures preferred.
6.--Ability to maintain confidentiality of customer and credit information.
7.--Demonstrated proficiency in organizing and prioritizing work to meet deadlines, with the ability to adapt within a changing environment.
8.--Sound judgment and decision making ability.Scheduled Weekly Hours:40Time Type:Full time Posted 2 Days Ago Full time 21-0348 About Us At Heartland Financial USA, Inc., we seek those who are lifelong learners, creative thinkers and have an inquisitive mind. If you thrive on challenges and look forward to new opportunities that build positive relationships while providing exceptional results, Heartland is the place for you.

We want you to discover your unique potential and limitless professional possibilities while working with us. Heartland is a diverse and inclusive workplace creating an environment where work feels like a second home. Everyone, regardless of their role, will feel accepted, supported and equally involved. What makes our team so great is the value Heartland places on individualism and appreciation for the differences each employee offers. We're a growing team committed to creating a valued workplace for everyone.

Our leaders are actively engaged and committed to providing a positive and professional work environment. They are dedicated to helping you grow and develop your career. We work closely with our employees to strategize individual professional development plans, performance goals and professional development opportunities. Recognizing and rewarding hard work, developing talent and fostering employees for the next stages of their career is what you can expect as a member of our team. We grow, when you grow.--
--
Our work family is extremely important to us and at Heartland we strive to ensure our employees are happy, engaged and evolving! Help us continue to build an exceptional team that lives our mission statement every day of enriching lives one customer, employee and community at a time. Member FDIC --- Equal Housing Lender Employment at Heartland Financial USA, Inc. is employment at will

Keywords: Heartland Financial USA, Inc., Dubuque , Retail Credit Officer, Hospitality & Tourism , Dubuque, Iowa

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