Commercial Credit Analyst

First International Bank & Trust•Sioux Falls, SD

35d

About The Position

First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work. At First International Bank & Trust, we believe in building lasting relationships through sound financial decisions and personalized service. Were seeking a Commercial Credit Analyst who thrives on analyzing financial data, assessing credit risk, and supporting our commitment to responsible lending. If youre detail-oriented, collaborative, and passionate about helping businesses grow, we invite you to join our team.

Requirements

Strong analytical skills with the ability to gather and interpret financial data.
Exceptional attention to detail and organization.
Clear and informative written communication.
Ability to prioritize tasks and manage time effectively.
Bachelor's Degree in Accounting, Finance, Economics, or related field; 3-5 years of experience in credit analysis or commercial lending, with exposure to large scale deals ($15MM+) or an equivalent combination of education and experience.
Proficiency in reading and interpreting financial statements, including balance sheets, income statements, and cash flow statements.
Experience using Abrigo Sageworks or similar credit analysis systems.
Demonstrated ability to build financial models and project future cash flows.
Applied underwriting principles to structure loans effectively.

Responsibilities

Spread and analyze commercial financial statements for C&I (Commercial & Industrial) and CRE (Commercial Real Estate) loans.
Evaluate borrower risk and recommend appropriate loan structures for transactions exceeding $15,000,000.
Utilize systems such as Abrigo Sageworks to assess credit quality and streamline analysis.
Build and maintain financial models to project cash flows and assess repayment capacity.
Prepare comprehensive loan presentations, comment sheets, and annual reviews for credit committees.
Collaborate with loan officers by attending client and prospect calls to provide financial insights and strengthen relationships.
Provide guidance and training to team members on credit analysis best practices.
Participate in ongoing training and contribute ideas for process improvement.