Senior Credit Analyst

First PREMIER Bank•Sioux Falls, SD

2d•Onsite

About The Position

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.

Requirements

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.
Demonstrated ability to independently analyze complex financial statements and contribute to credit structuring and approval processes.

Nice To Haves

Bachelor’s degree in business, Finance, Accounting, or a related field is preferred; equivalent combination of education and experience will be considered.

Responsibilities

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.
Serves as a mentor and resource to junior analysts, leads training efforts, and contributes to department process improvements and credit administration.