Senior Credit Analyst

Location:

Sioux Falls, SD

Shift: Monday–Friday 8:00 AM – 5:00 PM

Job Status:
Full-Time

Company:
First PREMIER Bank

Independently conducts complex credit analysis and supports the structuring of commercial loan relationships. Partners closely with Business Bankers to prepare high-quality credit arrangements, provide advanced financial insights, and ensure compliance with lending policies and timelines. Serves as a mentor and resource to junior analysts, leads training efforts, and contributes to department process improvements and credit administration.

• Independently analyze complex borrower financials, identify trends and risk factors, and prepare detailed credit arrangements in partnership with Business Bankers to support sound lending decisions.
• Attend and participate in weekly loan committee meetings, providing expert-level input and responding to questions regarding financial analysis, loan structure, and borrower performance.
• Monitor credit approval timelines and assist Business Bankers with the timely completion of credit memos and annual reviews in alignment with internal lending guidelines.
• Engage directly with clients when needed to clarify financial data, assist with credit-related questions, and serve as a secondary point of contact in the lender’s absence.

• Expertise in interpreting complex financial statements, identifying credit risks, and preparing thorough and accurate credit arrangements.
• Strong ability to work closely with Business Bankers and clients, clearly communicate financial insights, and contribute to loan committee discussions.
• Proficiency in managing multiple credit tasks with precision and ensuring compliance with internal credit policy, documentation standards, and deadlines.
• Bachelor’s degree in business, Finance, Accounting, or a related field is preferred; equivalent combination of education and experience will be considered.
• Demonstrated ability to independently analyze complex financial statements and contribute to credit structuring and approval processes.

• Full medical benefits when working 20+ hours per week.
• Traditional and high-deductible health plan options.
• Free dental and vision coverage.
• Generous paid time off plans.
• 401(k) – dollar-for-dollar match up to 5% of total compensation.
• Special discounts and offers for events at Denny Sanford PREMIER Center.
• PREMIER Wellness Program.
• Paid community volunteer hours – PREMIER averages 30,000 hours per year.
• Employee parties and events.