A meaningful next step in your banking career
If you’re looking to grow your influence and deepen your credit expertise, this Lending Analyst role offers the chance to work with more complex lending scenarios, strengthen your analytical capability, and play a key part in shaping customer outcomes. You’ll support frontline teams with high‑quality assessments, exercise sound judgement, and contribute to the exceptional service the organisation is known for.
You’ll be joining a collaborative, high‑performing credit team that’s committed to developing your skills and supporting your long‑term career growth.
Why this role stands out
This position is ideal for someone ready to move beyond processing or frontline support and into a role where your analysis and recommendations carry real weight. It provides a strong platform to build your credit capability and opens doors into future opportunities across credit, risk, and leadership.
You’ll gain:• Greater responsibility in assessing and recommending lending outcomes• Exposure to more complex Consumer and SME applications• Broader analytical experience across multiple credit portfolios• Increased visibility and collaboration across teams• Opportunities to demonstrate judgement, critical thinking, and customer focus• Clear pathways into senior credit, risk, and leadership roles.
You’re someone who communicates clearly, builds rapport quickly, and enjoys working through challenging scenarios. You may currently be in lending, customer support, business banking, or motor finance, but you’re ready for a role where your analytical capability and decision support make a tangible impact.
You thrive in fast‑moving environments, stay calm under pressure, and think logically when faced with competing priorities.
You bring strengths in:
• Lending experience and understanding of end‑to‑end credit processes
• Knowledge of CCCFA and relevant financial legislation
• Forming balanced, well‑reasoned Consumer and SME credit recommendations • Analysing financial information and identifying key risks
• Clear, concise written and verbal communication
• Strong attention to detail and confident negotiation skills.
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://youtu.be/Sti0louBCw0video, our Instagram @heartlandbanknz or follow us on LinkedIn www.linkedin.com/company/heartland-bank-nz.
With roots stretching back to 1875, Heartland is proudly New Zealand operated and managed. Our focus is on the household, business and rural sectors, offering specialist products which meet the specific needs of our customers.
Join our Heartland
Heartland is an innovative and award-winning financial services group. We’re committed to creating a culture of inclusivity that celebrates our diversity and supports the wellbeing of our people.
Our work environment is challenging, stimulating and rewarding and we offer real opportunities for learning and career development.
Diversity, equity and inclusion
We’re proud to celebrate the many characteristics that make each of us different. We’re 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 believe diversity allows us to identify new opportunities, solve problems and make the right decisions.
Many of our people contribute to our inclusive culture through Heartland’s groups and committees, including our Rainbow Committee, Health & Wellbeing Committee, Diversity Committee, Manawa Whenua (our internal network for Māori employees and allies) and our Pasifika Group.
We're proud to be a Living Wage Employer, Hearing Accredited Workplace, Rainbow Tick Certified, and to have been a finalist in the 2020 Diversity Awards NZ in relation to our Manawa Ako internship programme.
