Job Description
Join Our Team as a Credit Analyst I
In-Office | Full-Time (40 hours/week) | Non-Exempt
Available Locations: Box Elder, Hill City, or Custer - Choose Your Branch!
If you enjoy digging into financial details, asking smart questions, and understanding the story behind the numbers, Sentinel Federal Credit Union may be the place for you.
We’re seeking a Credit Analyst to support our commercial and agricultural lending teams. This role is ideal for someone early in their credit career—or ready to take the next step—who wants hands-on experience, strong mentorship, and a clear path for professional growth.
?? Pay & Incentives
$23.00/hour for candidates without direct credit analysis experience (training and mentorship provided)
$25.00 – $27.00/hour for candidates with relevant experience, DOE
Eligible for incentive and bonus opportunities
Why You’ll Love Working at Sentinel
We believe thoughtful lending starts with well-supported employees.
?? Comprehensive Benefits Package
Medical, Dental & Vision Insurance
Health, Dependent Care & Medical Flex Spending Accounts
Life Insurance & Long-Term Disability
Employee Assistance Program (EAP)
Aflac
??? Time Off & Work-Life Balance
3 weeks of vacation per year
Paid holidays & personal days
Paid volunteer hours
Inclement weather pay
Regular team-building events and celebrations
?? Growth & Development
Paid professional development and networking opportunities
Mentorship program
Professional book reimbursement
Regular team-building activities
Strong commitment to internal promotion and career advancement
Why Work With Us?
At Sentinel, you’ll find purpose—not just a job. As a member-focused credit union, we support local businesses and farms through thoughtful, relationship-based lending. Our work is guided by our core values of Service, Trust, Respect, Ownership, Nimble, and Guardian.
You’ll gain:
Exposure to commercial and agricultural underwriting
Opportunities to expand your analytical and credit skill set
A collaborative environment that values curiosity and accuracy
The satisfaction of strengthening local economies
What You’ll Do
Underwrite, with guidance, both complex and non-complex commercial and agricultural credit requests
Gather, consolidate, and analyze financial data to support sound credit decisions
Draft detailed credit memorandums outlining risks, strengths, and mitigants
Present analysis and recommendations to credit administration
Participate in discussions around loan structure, pricing, and risk considerations
Partner closely with lenders and credit staff to verify information and ensure accuracy
Participate in member conversations, calls, and site visits as needed
Serve as a control point in the loan approval process, ensuring compliance with policy and covenants
Track covenant monitoring, borrowing base certificates, and financial reporting using the lending tickler system
Assist with audits, exams, stress testing, risk reviews, and special projects
Maintain working knowledge of commercial law, UCC, SBA/USDA programs, and applicable regulations
Support loan closings as needed
Manage multiple priorities while meeting deadlines in a fast-paced environment
Deliver exceptional member service through accurate and timely analysis
Perform other duties as assigned
Who You Are
Detail-oriented with a strong analytical mindset
Clear and professional communicator, both written and verbal
Comfortable asking questions and seeking clarity
A collaborative team player who enjoys supporting lenders
Able to interpret financial statements, tax returns, and cash flow analysis
1+ year of commercial or agricultural credit experience preferred, but not required for the right candidate
At least 18 years old with a valid driver’s license
Bachelor’s degree in accounting, finance, business, or equivalent experience preferred
Curious, motivated, and eager to grow within the credit field
What We’re Looking For
You’re someone who:
Communicates thoughtfully and professionally
Stays focused and accurate on busy days
Takes initiative and asks insightful questions
Enjoys understanding the “why” behind the numbers
Values documentation, compliance, and doing things right
Wants to be part of a mission-driven, supportive team
How to Apply
Ready to take the next step in your credit career?
?? Send your resume to hr@sentinelfcu.org
or apply directly through our careers page.
Sentinel Federal Credit Union is an equal opportunity employer.
We celebrate diversity and are committed to creating an inclusive, respectful workplace for all employees.