Senior Credit Analyst

Job Description

Location: Sioux Falls, SD
Shift: M-F 8am-5pm
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, provides advanced financial insights, and ensures 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.

• Essential duties and responsibilities include the following. Other duties may be assigned.
  • 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 available
• 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 the Denny Sanford PREMIER Center
• Premier wellness program
• Paid community volunteer hours – Premier averages 30,000 hours per year
• Fun employee parties

• Emphasis on personal success, respect, health, wellness, fun and giving back
• Employees are rewarded, valued, and celebrated for hard work
• Various career advancement opportunities and growth
• Appreciation is shown through concerts, outdoor bashes, cash, car giveaways and more

See some of our epic celebrations and employee recognitions.