Commercial Lender - Banking

A Brief OverviewSolicits and services a variety of smaller commercial and/or agricultural loans. Interviews applicants and obtains information regarding earnings and financial condition to evaluate the applicant's creditworthiness. Approves or denies loan within established limits or refers loan to designated members of Senior Management for approval. May assist more experienced loan officers with larger or more complex loans. Works on projects/matters of limited complexity in a support role. Commercial Lender V - Manages a portfolio consisting of small business, middle market and/or agricultural loans, and CRE loans, with average total loan portfolio balances of $60MM-$100MM in average outstanding balances. Portfolio includes the Bank's larger and more complex banking relationships. May assist and train other commercial lenders. 5+ years' experience as a commercial loan officer. Commercial Lender V - (Suburban-Metro) Manages a portfolio consisting of small business, middle market and/or agricultural loans, and CRE loans, with average total loan portfolio balances of $80MM-$125MM in average outstanding balances. Portfolio includes the Bank's larger and more complex banking relationships. May assist and train other commercial lenders. 5+ years' experience as a commercial loan officer. actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.

• Gather and analyze all information necessary to present a financing request to Senior Management for approval; meet with existing or potential customers; visit sites of loans; approve loans within established lending limits or refer and recommend approval to designated members of Senior Management and/or the Chief Credit Officer.
• ensure loans are processed according to agreement, customer needs and conform to Bank lending policies; obtain sufficient information and/or documentation from customers; Negotiate, underwrite and process renewals of credit facilities.
• Develop and maintain knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Responsible for meeting annual loan and deposit growth goals assigned by Senior Management.
• Assume responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel.
• Review NSF and overdraft reports for customers assigned within his or her portfolio; Bachelor’s degree and minimum 5 years related experience preferred or equivalent combination of education and experience.

Heartland Bank and Trust Company is headquartered in Bloomington, Illinois. With 70+ locations throughout Illinois and Eastern Iowa, Heartland continues to grow and is committed to preserving strong ties to our communities, customers, employees, and shareholders.

Heartland Bank’s mission is to “create value for the customer, earn a profit for the Bank, and have fun doing it!” At Heartland Bank, we offer a competitive benefits package to provide you with peace of mind. Heartland Bank is deeply committed to creating a workplace where inclusion is not only valued but prioritized. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity or expression, family status, marital status, sexual orientation, national origin, genetics, disability, age, or any other non-merit based or legally protected grounds.

Heartland Bank considers several factors when extending an offer, including but not limited to, the role and associated responsibilities, a candidate’s work experience, education/training, key skills, and internal equity.

The Bank offers compensation growth opportunities within its career architecture.