Senior 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:Location: Sioux Falls, SDShift: M-F 8am-5pmJob Status: Full-TimeCompany: First PREMIER BankAbout the RoleIndependently 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.Job Duties and ResponsibilitiesEssential duties and responsibilities include the following. Other duties may be assigned.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.Skills and QualificationsExpertise 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.Bachelor’s degree in business, Finance, Accounting, or a related field is preferred; equivalent combination of education and experience will be considered.Demonstrated ability to independently analyze complex financial statements and contribute to credit structuring and approval processes.Competitive Benefits PackageFull medical benefits when working 20+ hours per weekTraditional and High-Deductible health plan options availableFREE dental and vision coverageGenerous Paid Time Off plans401(k) – dollar-for-dollar match up to 5% of total compensationSpecial discounts and offers for events at the Denny Sanford PREMIER CenterPREMIER Wellness ProgramPaid Community Volunteer Hours – PREMIER averages 30,000 hours per yearFun Employee PartiesOur CultureEmphasis on personal success, respect, health, wellness, fun and giving backEmployees are rewarded, valued, and celebrated for hard workVarious Career advancement opportunities and growthAppreciation is shown through concerts, outdoor bashes, cash, car giveaways and more #J-18808-Ljbffr