Senior Credit Officer

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:

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

About the Role

The Senior Credit Officer supports oversight of credit quality and risk management for the bank’s loan portfolio by promoting sound underwriting, regulatory compliance, and alignment with strategic objectives.

The role monitors loan portfolio performance, conducts credit reviews, facilitates training to strengthen loan management practices, provides leadership and oversight of the collections function, supports the management of problem loans, and assists the Chief Credit Officer with a variety of credit-related initiatives.

Job Duties and Responsibilities 

Essential duties and responsibilities include the following.

Other duties may be assigned.


* Develop, recommend, implement, and maintain the bank’s credit risk appetite, policies, and procedures.


* Collaborate with lending teams to balance growth objectives with prudent risk management.


* Provide portfolio oversight and guidance related to credit administration, underwriting, credit analysis, documentation, covenant tracking, and exception reporting.


* Serve as an approval authority within established credit limits and ensure consistent application of underwriting standards across all lending lines (commercial, commercial real estate, agricultural, small business, and consumer).


* Oversee portfolio risk metrics, including concentrations, stress testing, risk ratings, and criticized/classified assets.


* Serve as liaison with regulators and participate in regulatory examinations and audits.


* Provide guidance and support to the Collections Manager responsible for retail and indirect loans, ensuring the collections team meets established objectives.


* Monitor and support higher-risk loans and overdraft activity, assess associated risks, and take action to mitigate potenti...