Retail Credit Officer
Company: Heartland Financial USA, Inc.
Posted on: April 1, 2021
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
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
7.--Review the retail and commercial loan file documentation for
accuracy and compliance with approval and legal requirements as
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
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 &
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
6.--Ability to maintain confidentiality of customer and credit
7.--Demonstrated proficiency in organizing and prioritizing work to
meet deadlines, with the ability to adapt within a changing
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
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
Keywords: Heartland Financial USA, Inc., Dubuque , Retail Credit Officer, Hospitality & Tourism , Dubuque, Iowa
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