Credit Analyst

FIRST PREMIER BANK•Sioux Falls, SD

About The Position

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.

Requirements

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
Bachelor’s degree in business or finance related field is preferred
1-3 years’ experience of analytical work in a lending environment is preferred

Responsibilities

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.

Benefits

At PREMIER you get more than a paycheck, you get a rewarding career where you can make a difference!
We value people and treat our employees as our greatest resource. We actively invest in their professional growth and development, make a strong effort to recognize achievement and take the time to celebrate success.
Paid volunteer hours encourage PREMIER employees to get involved in the community.
PREMIER employees who work 20+ hours per week are eligible for full-time benefits, including medical coverage with free vision and dental insurance.
We offer expanded Paid Time Off and a highly competitive 401(k) plan that features a dollar-for-dollar company match after 120 days of employment.
Employees can experience personal and professional growth through PREMIER University. It offers skill-based training, leadership classes and inspirational national speakers.
PREMIER Wellness unifies physical and mental health, financial wellness and community giving under one program designed to help employees find optimal work/life wellbeing.
Through our Employee Assistance Program, employees have access to free counseling sessions, online resources and legal support.
Community Giving offers our employees purpose-driven, meaningful opportunities where they know they are making a difference.
Recognizing and rewarding success is an important part of the PREMIER culture. We celebrate and show our appreciation with private concerts and special events.
At quarterly staff meetings, employees who have gone above and beyond in their job or in their community are awarded a PREMIER Performer or PREMIER Eagle Service Award.
Employees celebrating 20, 25, 30, 35, 40, 45 and 50 year Milestone Anniversaries receive $1,000 for every year they have worked with PREMIER.