As an employee-owned bank, we offer a unique work culture - all decisions are made by people who live and work in our communities. They make sure we treat our team members and valued customers as if they were family.
Still, we're always looking to get even better. And we're always on the lookout for energetic, innovative, customer-focused team members who can help take us to the next level.
You can find out more about us on our History & Mission page. Also, you can get an inside look at our biggest annual event, our Shared Values Dinner where we gave $48,000 back to our community in one evening this past March. Check out the videos from our 8th Annual HHSB Shared Values Dinner below. Check out more about us on our YouTube Channel and other social media pages.
Purpose:
Join our Credit Operations team as a Credit Analyst, where you'll play a vital role in supporting the underwriting process for Ag/Commercial loans. This position is ideal for a detail-oriented professional with experience in credit or banking who thrives in a collaborative environment and is eager to grow their knowledge of loan products and services.
Primary Job Duties:
- Credit Analysis: Prepare customer data and complete credit analysis with varying levels of complexity from start to finish, including recommendations for approval or denial.
- Process Ownership: Manage assigned credit applications from intake to decision, ensuring timely tracking and communication.
- Ag/Commercial Loan Support: Perform essential tasks such as UCC searches, ordering title work, appraisals, and obtaining RMA data.
- Loan Tracking & Turnaround: Maintain up-to-date logs for loan status and ensure reports and credit reviews meet defined turnaround times.
- Technical Exceptions & Insurance Tracking: Monitor technical exceptions and track assigned insurance such as crop or life insurance on active loans.
- CRM & Communication: Keep internal CRM records current to reflect progress and key milestones in the underwriting process.
- Upselling Opportunities: Identify potential cross-sell or upsell opportunities during the credit review process.
- Indirect Loan Support: Serve as a backup for processing Indirect Loan requests, including data entry, scanning, and denial processing.
- Quality Control: Participate in verification procedures to ensure accuracy and compliance.
- Team Support & Collaboration: Assist team members, attend required training sessions, and contribute to a positive and productive work environment.
- Confidentiality & Compliance: Protect customer data and follow all applicable regulations and bank procedures.
- Reporting & Initiative: Proactively submit reports and track personal goal progress consistently.
- Working Knowledge & Continuous Learning: Maintain strong understanding of loan products and continuously seek to build expertise, including preparation to serve as a backup to direct supervisor.
- Bachelors Degree, preferred
- 3–5 years of experience in credit operations or underwriting, required.
- Strong understanding of credit workflows, including Ag/Commercial and Indirect loan support.
- Ability to read and interpret financial documents such as tax returns, balance sheets, and income statements.
- Experience utilizing underwriting software.
- Proficiency with loan origination systems, CRM tools, and Microsoft Office (especially Excel).
- Detail-oriented with excellent organizational and time management skills.
- Ability to work independently and as part of a collaborative team.
- High degree of professionalism, confidentiality, and initiative.
Shifts:
Shifts for this position are determined by department management and may vary within the following hours:
Monday – Friday: 7:30 AM – 5:30 PM
Occasional meetings or events may fall outside these hours with advance notice.
Remote Availability:
This position might have the opportunity for a remote/hybrid option but is typically based out of our Operation Center, Crawfordsville, IN.
Other Benefits:
- Medical (access to free clinic), Dental, and Vision
- Wellness Program
- 401(k) matching
- Long Term Disability Insurance
- Employee Assistance Program
- Basic Life Insurance - $25,000
- Employee Stock Ownership Plan (ESOP)
- Paid Time Off
- Paid Holidays
- Paid Training
Hoosier Heartland State Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at [email protected]
