Senior Credit Analyst at German American Bancorp

Job Title: Senior Credit Analyst

Summary of Duties and Responsibilities:

In your role as Senior Credit Analyst, you will provide assistance to loan officers by assessing the financial condition and repayment capacity of business customers, as well as assisting with loan application preparation. Using a strong attention for detail, you will analyze financial statements to assess the strengths and weaknesses of a borrower’s historical operating performance including any significant changes and trends.  

Primary Duties and Responsibilities:

• A Day in the Life – Your focus will include analyzing large, complex borrowers and/or industries, as you work to complete Credit Applications accurately, inclusive of collateral analysis. You will maintain strong relationships with loan officers as you collaborate with them to communicate financial information about the borrower in order to make informed credit decisions, explain industry specific complexities to help them understand the borrower’s financial condition, share insights to the market conditions that affect the borrower’s business or industry, and document compliance with policies and procedures.  As a mentor among the team, you may be called on to train others in your department and attend loan committee meetings.

What it Takes:

• 5+ years in commercial lending environment as a credit analyst, loan officer or related experience.
• Bachelor’s degree in Finance, Accounting or Economics, or related field
• Knowledge and experience with: analyzing economic trends of commercial and agricultural business, proficiency in reading financial statements (i.e., compilations, reviews, audits, and governmental financial statements), the organization of personal, corporate, and partnership tax returns.
• Skills in: analyzing data, organizing, clarifying, explaining, listening, time management and coaching others.
• Advanced Excel skills and proficiency in Microsoft Office Suite.

Bonus Points:

• Bilingual/Multi-lingual

What we can offer you:

• Medical, dental, vision, STD, LTD, Life insurance, etc.
• 17 days paid time off, 11 paid holidays and bereavement leave
• Education assistance
• Paid family bonding leave
• Wellness benefits
• Life event coverage
• Service awards
• Financial benefits including 401(k) match, stock purchase plan and more
• Great deals on both national and local discounts on everything from computers and vacations to phones and retail shopping.

This position will be located at:

430 North Hamilton Road
Whitehall, Ohio, 43213
United States

About Us:

Heartland Bank, a Division of German American Bancorp and its family of financial services companies employ talented, compassionate people throughout the organization, truly making our Company special. Delivering genuine, customized, personal service with a focus on truly serving customers and communities well, our employees bring the Shield of Excellence commitment to life with each and every interaction.