Senior Credit Analyst

Location: Sioux Falls, SD 
Shift: M-F 8am-5pm
Job Status: Full-Time
Company: First PREMIER Bank

About the Role
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.

Job Duties and Responsibilities 

• 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.

Skills and Qualifications 

• 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.

Competitive Benefits Package

• 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

Our Culture

• 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

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.