Credit Analyst

At First PREMIER Bank and PREMIER Bankcard, we’ve created a culture that emphasizes personal success, respect, health, and wellness, fun and giving back.

This is an environment where you will be rewarded, valued, and celebrated for your hard work.

We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities.

We celebrate our employees and show our appreciation with private concerts, outdoor bashes, cash and car giveaways and more! See some of our epic celebrations and employee recognitions.

Considered one of the nation’s strongest financial organizations, we’ve achieved our success by embodying the views and values of The PREMIER Way. From our CEOs to the newest hires, we all follow these shared views and values to guide us on how to treat our customers, co-workers and communities.

The PREMIER Way also serves as a roadmap on how to be successful inside and outside of the workplace.

We believe in investing in our employees, their families and our communities.

Job Description:

Job Purpose:

Assist and support the Business Banking function.

Enhance relationships through financial analysis and credit review, following loan policies and business lending guidelines.

 

Primary Responsibilities:

Essential duties and responsibilities include the following.

Other duties may be assigned.


* Spread financial statements in designated software, with lender interaction for clarification or interpretation of entries and generate risk rating calculations.


* Compose detailed financial analysis reports of the borrower for use in credit approval documents and identify their strengths and weaknesses.


* Assist with timely completion of credit approvals and annual reviews per Lending Guidelines.


* Attend meetings with customers for annual reviews, new loan requests, and/or follow-up questions from financial statement analysis.


* Assist in monitoring follow up items and gathering financial information and documents needed to complete credit arrangement and monitor loan relationship.


* Maintain customer files in an up-to-date and organized manner along with managing and organizing loans on Business Banking software system.


* Coordinate and/or participate in group events or social or community events.


* Help identify additional opportunities/products to strengthen customer relationships.


* Be available to present a credit request to Loan Committee in the Business Bankers absence.

Skills:


* Basic PC skills and proficiency of the English language


* Exceptional verbal and written communication skills


* Ability to exercise independent judgment and exercise discretion regarding confidential matters


* Adapt and prioritize within a constantly changing environment


* Attention to detail, analytical and problem-solving skills

 

Education and Experience:


* Bachelor’s degree in business or finance related field...