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 ad...