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The Lending and Underwriting team at Heartland Bank and Trust Company is responsible for evaluating and approving loans to ensure sound financial decisions for both commercial and consumer clients. This team conducts comprehensive credit analyses, manages risk assessments, and supports the loan process from initial inquiry to closing, fostering strong relationships with borrowers while adhering to regulatory standards and internal policies. Their expertise helps drive the bank's growth by enabling access to capital for businesses and individuals within the community.