Heartland BancCorp announced that Jeff Ciochetto has joined Heartland Bank as Director of Credit Administration. In this leadership role, Ciochetto will oversee Heartland’s commercial, consumer and mortgage underwriting functions supporting the bank’s sales teams. Ciochetto began his career with Heartland in January of 2021 with over 28 years of experience in banking focused in the areas of commercial, retail and credit at various senior levels. Ciochetto previously owned and operated his own financial consulting firm and spent the last three years as the treasury and chief credit officer for the largest furniture manufacturer/importer in the United States.