Credit Analyst

Looking to break away from the mainstream and bring your talent to something exciting? Heartland Bank is on a dynamic growth journey and we're expanding our rural team—creating an opportunity for a passionate Rural Credit Analyst to join us in Christchurch. If you're ready to make a real impact in a specialist bank that values innovation, agility, and heart, we’d love to hear from you.

Is this your next role

?The Credit Analyst will support and work collaboratively with Rural Managers, Credit Managers and the National Manager - Rural (and other Credit Analysts as required from time to time) by writing rural/agri credit applications. Comprehensively analyse rural credit proposals and financial accounts, perform due diligence, and make recommendations regarding the viability and structure of loan requests, variations and annual reviews

.
Does this sound like yo

u?We're looking for someone who lives and breathes the rural sector—an experienced Rural Credit Analyst with sharp financial analysis skills and a practical, customer-first mindset. You thrive in fast-paced environments, deadline-driven, collaborate seamlessly across teams, and bring valuable insights that challenge and improve outcomes. With a keen eye for detail, natural curiosity, and a drive to get things right the first time, you're ambitious, analytical, and always ready to roll up your sleeves to make things happe

n.
What you’ll ne

• ed:Tertiary qualification in finance, agribusiness, accounting, economics, or a related field (desirabl
• e).2-3 years’ experience of strong financial analysis and modelling for rural credit/lending, with the proven ability to interpret financial statements, assess creditworthiness and document sound lending decisions tailored to rural customer’s unique nee
• ds.Strong rural sector passion, knowledge and commercial awareness (especially in the areas of sheep, beef and dairy sector
• s).Analytical and detail-orientated mindset, with a natural curiosity and strong attention to detail in identifying risks and spotting trends to ensure accuracy of credit assessmen
• ts.Ability to collaborate across teams and deliver practical, customer-focused solutions that meet all stakeholder needs and good customer outcom

es.
A bit about us and what w

e doHeartland is an NZX/ASX-listed financial services group with big growth plans. Heartland owns both Heartland Bank in New Zealand and Heartland Bank 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 ra

tes.
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 T

eam).
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 d

rinks!
Diversity & In

clusionAt Heartland, we're proud to celebrate the many characteristics that make each of us different. We embrace diversity in all its forms and believe in creating an environment that helps us better understand and serve our customers. As a Living Wage Employer, a Hearing Accredited Workplace, and a Rainbow Tick certified organisation, we're committed to doing right by our

people.
Keen to lea

rn more?For an insight into life at Heartland, check out our Instagram @heartlandbanknz or follow us on LinkedIn www.linkedin.com/company/heartland-

bank-nz.Please note you must be eligible to work in New