Jeff Ciochetto

Jeff Ciochetto has a diverse work experience spanning over several years. Jeff currently holds the position of Chief Credit Officer at Heartland Bank, where they have been since 2021. Prior to that, they were the Senior Vice President & Director of Credit Administration at Heartland Bank from 2021 to 2022.

Before joining Heartland Bank, Jeff worked at Flexsteel Industries Inc. from 2018 to 2021, where they served as the Manager of Shared Services; Credit, Collections, and Treasury Management and Corporate Credit and Collections Manager. In 2018, they briefly worked as a Retail Executive at Great Western Bank.

From 2008 to 2018, Jeff was self-employed as a Risk Management Consultant. During this time, they provided consulting services in risk management.

From 2013 to 2017, Jeff held the role of SVP/Small Business Loan Center Manager at Heartland Financial USA, Inc. In this role, they managed the bank's Small Business/Business Banking initiative, including centralized underwriting, credit, training, policy, and product development.

Prior to their time at Heartland Financial USA, Inc., Jeff worked at KeyBank as a Vice President from 2012 to 2013. Jeff was responsible for business development/sales, credit, business analysis, mentoring, problem resolution, and community investment.

From 2011 to 2012, Jeff served as the Senior Vice President & Senior Lender at Union Bank-Vermont, where they were responsible for lending operations.

Before that, Jeff worked at Flagstar Bank from 2007 to 2008, where they held the role of FVP, Commercial Banking, Credit, and Treasury Management Sr. Manager. Jeff played a key role in transforming the bank's culture to focus on commercial banking.

From 2001 to 2007, Jeff worked at Fifth Third Bank as a VP and Regional Business Banking Manager. In this role, they directed credit, sales, underwriting, mentoring, and branch business development activities.

Prior to Fifth Third Bank, Jeff held the position of SVP Senior Lender and Senior Credit Officer at Peoples State Bank from 1999 to 2001. Jeff managed and promoted all lending activities and implemented a structured business development program.

Overall, Jeff Ciochetto has extensive experience in credit administration, risk management, business banking, and lending operations.

Jeff Ciochetto began their education in 1976 at Central Michigan University, where they pursued a Bachelor of Science degree in Business Administration and Economics. Jeff successfully completed their undergraduate studies in 1980. In 1979, they also obtained a Course Certificate of Completion from the University of Cambridge, specializing in History and World Economics. Following their undergraduate studies, Jeff enrolled at Wayne State University from 1984 to 1988 to pursue a Master's in Business Administration (MBA) with a focus in Finance and Banking.