Job Description
Join Heartland Financial Partners, a leading Midwest financial institution, as we expand our commercial lending division. We're seeking a highly analytical Senior Credit Analyst to evaluate complex loan applications and drive our growth in Kansas City's thriving business sector. This high-impact role offers competitive compensation, comprehensive benefits, and clear pathways to executive leadership.
Our culture values intellectual curiosity, ethical decision-making, and collaborative problem-solving. As a key member of our credit risk team, you'll directly influence our $2B+ loan portfolio while working alongside industry experts in a modern, downtown Kansas City office with flexible hybrid options.
Responsibilities
- Analyze commercial credit applications, financial statements, and industry trends to assess borrower risk profiles
- Prepare comprehensive credit memos and risk assessments for loan committees
- Monitor existing loan portfolios for compliance and early risk detection
- Collaborate with relationship managers to structure optimal financing solutions
- Develop and maintain financial models for cash flow analysis and valuation
- Stay current on regulatory requirements (FDIC, OCC, and state banking laws)
- Mentor junior analysts and contribute to process improvement initiatives
Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or related field (MBA/CFA preferred)
- 5+ years of commercial credit analysis experience in banking or finance
- Advanced proficiency in financial modeling and Excel (including macros)
- Demonstrated expertise in cash flow analysis and ratio interpretation
- Strong knowledge of SEC filings and GAAP/IFRS standards
- Experience with credit risk software (e.g., Moody's Analytics, Fiserv)
- Excellent communication skills with ability to present complex findings clearly
- Professional certification (CRCM, CFA) a significant plus