Business Banking Officer

First PREMIER Bank PREMIER Bankcard; Sioux Falls (SD); On-site; USD 90,000 - 140,000; Full time

Benefits offered by this job

Full medical benefits

Paid Time Off

401(k) matching up to 5%

Volunteer hours

Job summary

First PREMIER Bank is seeking a seasoned professional to manage complex business banking relationships and deliver tailored financial solutions that support client growth and success.

You will play a key role in credit decisions, loan structuring, and portfolio management with autonomy and cross-functional collaboration. This role emphasizes client service, business development, and strategic input to product pricing and improvements.

Qualifications

• Bachelor's degree in Business, Finance, Accounting or related field preferred.
• 3–5 years in banking or financial services with emphasis on credit analysis or commercial lending.
• Proven ability to manage complex business banking relationships and meet targets.
• Experience with credit structures and loan workout strategies is a plus.

Responsibilities

• Oversees a portfolio of more sophisticated business clients with tailored lending and deposit solutions.
• Analyzes financial information to structure complex credit requests and manage risk.
• Identifies new business opportunities through referrals and community involvement.
• Contributes to department strategy on product enhancements, pricing, and annual planning.
• Addresses client service needs and supports team initiatives to improve processes.

Skills

Credit analysis

Portfolio management

Business development

Client advisory

Strategic planning

Relationship management

Education

Bachelor's degree in Business/Finance

Job description

Job Description:

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.

Location: Sioux Falls, SDShift: Monday - Friday 8:00 AM to 5:00 PMCompany: First PREMIER Bank

About the Role

Responsible for managing more complex business banking relationships and delivering customized financial solutions that support clients' growth and success. Plays a key part in business development, loan structuring, and portfolio management, with increased autonomy in credit decisions and client service. Contributes to departmental initiatives by providing input on product enhancements, pricing strategies, and operational improvements.

Job Duties and Responsibilities

Essential duties and responsibilities include the following. Other duties may be assigned.

• Oversees a portfolio of more sophisticated and higher-volume business clients by understanding their evolving financial needs and delivering tailored lending and deposit solutions.
• Analyzes financial information to structure more complex credit requests, develop loan workout strategies when necessary, and ensure sound portfolio management with minimal management oversight.
• Proactively identifies and pursues new business opportunities through client referrals, prospecting, and participation in community and industry events to grow the bank's presence and revenue.
• Contributes to department strategy by providing recommendations on product enhancements, service offerings, pricing models, and annual planning initiatives.
• Independently addresses client service needs and operational concerns while supporting team-level projects and initiatives that drive process improvement and customer satisfaction.

Skills and Qualifications

• Ability to analyze and structure complex credit requests using in-depth financial data and risk assessment tools.
• Strong consultative skills to deepen relationships with more complex business clients and serve as a trusted financial advisor.
• Proven ability to proactively identify opportunities, build a pipeline, and grow a client portfolio through strategic outreach and community involvement.
• Demonstrated ability to resolve client issues independently, manage loan workout plans, and contribute to strategic initiatives with sound judgment.
• A Bachelor's degree in Business, Finance, Accounting, or a related field is preferred. A combination of relevant education and professional experience will also be considered.
• A minimum of 3-5 years of experience in the banking or financial services industry is required, with a strong emphasis on credit analysis, commercial lending, or portfolio management.
• Demonstrated success in managing business banking relationships and consistently meeting or exceeding business development targets is preferred.
• Experience with complex credit structures and the ability to independently manage client needs is preferred.

Competitive Benefits Package

• Full medical benefits when working 20+ hours per week
• Traditional and High Deductible health plan options available
• FREE dental and vision coverage
• Generous Paid Time Off plans
• 401(k) - dollar-for-dollar match up to 5% of total compensation
• Special discounts and offers for events at the Denny Sanford PREMIER Center
• PREMIER Wellness Program
• Paid Community Volunteer Hours - PREMIER averages 30,000 hours per year
• Fun Employee Parties

Our Culture

• We have an emphasis on personal success, respect, health, wellness, fun and giving back
• Employees are rewarded, valued, and celebrated for hard work.
• Career advancement opportunities is a way PREMIER leaders show they care.
• Appreciation is shown through concerts, outdoor bashes, cash, car giveaways and more.