Senior Credit Analyst
As a Senior Credit Analyst, you’ll be at the heart of Heartland Bank’s business‑lending engine, shaping well‑reasoned, high‑quality lending applications across a portfolio that spans everything from everyday business needs to complex, high‑value transactions above $1.0m.
This is a role for someone who enjoys digging into the detail and connecting the commercial dots. You’ll apply sharp judgemental credit analysis to both straightforward applications and the kind of nuanced, commercially driven deals that require real analytical flair. Every submission you prepare will showcase:
Insightful financial analysis that gets to the real story behind the numbers
Clear, balanced credit‑risk assessment that highlights what matters
Transparent identification of risks and mitigants
Recommendations that align with the Bank’s risk appetite while supporting great customer outcomes
You’ll be a trusted voice in the credit process, someone who can see the opportunity, understand the risk, and articulate both with clarity and confidence.
And throughout it all, you’ll operate with integrity, professionalism, and a commitment to Heartland Bank’s mātāpono and brand values, ensuring every decision reflects who we are and what we stand for.
What you will bring
You bring strong analytical judgement and the ability to produce clear, accurate lending applications across exposures above and below $1.0m. You know how to gather, validate, and interpret financial information, turning statements, credit reports, and supporting documents into meaningful insights.
Your advanced Excel and financial‑modelling skills support robust financial analysis, including serviceability, cash‑flow assessment, and security coverage. You confidently identify key risks, recommend practical mitigants, and support accurate credit‑risk grading.
You work collaboratively with Brokers, Relationship Managers, Credit Managers, and Operations to deliver timely, high‑quality outcomes, communicating with clarity and professionalism. With a solid understanding of business structures and security types, you navigate complex credit issues with an enquiring, analytical mindset.
In a fast‑moving environment, you prioritise effectively, maintain pace, and ensure all activity aligns with AML/CFT requirements, internal policy, and Heartland Bank’s risk appetite.
A bit about us and what we do
Heartland is an NZX/ASX-listed financial services group with big growth plans. Heartland owns both Heartland Bank in New Zealand and Heartland Finance in Australia. We provide award-winning savings and finance products to a diverse range of customers including business owners, farmers and retirees. Heartland's strategy is to digitalise everything we do, enabling us to provide customers with what they need in a scalable way. We can then pass those benefits onto the customer through faster service and better rates.
Some of our perks include employee banking benefits, an excellent insurance package, flexible working options, sports teams (touch, netball and football), and Friday night pizzas and drinks!
Can you see yourself here?
We're innovative and always evolving. We work together as one team and have big ambition. We're committed to creating a culture of inclusivity that celebrates our diverse backgrounds and supports the wellbeing of our people. We offer real opportunities for learning and career development. You can also drive change through our internal groups (including Manawa Whenua - our Māori group, the Rainbow Committee, Diversity & Inclusion Committee and our Green Team).
Diversity & Inclusion
At Heartland, we're proud to celebrate the many characteristics that make each of us different. We are committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers. We're a Living Wage Employer, a Hearing Accredited Workplace, and have the Rainbow Tick.
Keen to learn more?
For an insight into life at Heartland, check out https://www.youtube.com/watch?v=TqGMgKROFxE , our Instagram @heartlandbanknz or follow us on LinkedIn www.linkedin.com/company/heartland-bank-nz.
Skills Required
- Strong analytical judgement and ability to produce lending applications across exposures above and below $1.0m
- Ability to gather, validate, and interpret financial information from statements, credit reports, and supporting documents
- Advanced Excel skills
- Advanced financial modelling skills (serviceability, cash-flow assessment, security coverage)
- Proven ability to identify key risks, recommend practical mitigants, and support accurate credit-risk grading
- Collaborative communication with Brokers, Relationship Managers, Credit Managers, and Operations
- Solid understanding of business structures and security types
- Ability to prioritise effectively and maintain pace in a fast-moving environment
- Ensure all activity aligns with AML/CFT requirements, internal policy, and the Bank's risk appetite
What We Do
Heartland Bank Australia is a digital financial services provider specializing in unique banking products, including reverse mortgages and specialist livestock finance. As part of the Heartland group, the company focuses on providing innovative, digital-first banking solutions to Australians, aiming to eliminate traditional banking queues and deliver an efficient, customer-centric experience.
