Business Banking Officer

First PREMIER; Sioux Falls, Northern (SD, KY); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Full medical benefits

Paid time off

401(k) match up to 5%

Wellness program

Job summary

First PREMIER Bank in Sioux Falls, SD is seeking an experienced banker to manage complex commercial relationships and deliver customized financial solutions. You will play a key role in loan structuring, portfolio management, and business development with increasing autonomy in credit decisions and client service.

The role requires strong credit analysis, relationship management, and a proven track record in commercial lending.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or a related field is preferred.
• Strong credit analysis and risk assessment skills.
• Experience in commercial lending or portfolio management.

Responsibilities

• Oversee a portfolio of sophisticated business clients and deliver tailored lending and deposit solutions.
• Analyze financial information to structure complex credit requests and develop loan workout strategies when necessary.
• Proactively identify and pursue new business opportunities through client referrals, prospecting, and community involvement.
• Contribute to department strategy by recommending product enhancements, pricing models, and annual planning initiatives.
• Independently address client service needs and support team projects to improve processes and customer satisfaction.

Skills

Credit analysis

Portfolio management

Business development

Strategic outreach

Relationship management

Education

Bachelor's degree in Business/Finance/Accounting

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.

Job Description: Location: Sioux Falls, SD Shift: Monday - Friday 8:00 AM to 5:00 PM Company: 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

• 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.

We Value People

At PREMIER you get more than a paycheck, you get a rewarding career where you can make a difference! Headquartered in Sioux Falls, South Dakota, First PREMIER Bank and PREMIER Bankcard are considered one of the nation’s strongest financial organizations. We have achieved this success thanks to our commitment to always doing what is right for our employees, customers and the communities we serve. 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.

Spirit of Giving Back

Giving back to our communities is at the heart of PREMIER. We support nearly 700 organizations, non-profits and events. Paid volunteer hours encourage PREMIER employees to get involved in the community. Our employees annually volunteer an average of 33,000 hours for causes important to them.

The PREMIER Way

Our spirit of giving is rooted in The PREMIER Way and the PREMIER Attitude. These shared views and values guide our interactions with each other, our customers and our communities. It’s the foundation of our culture and makes PREMIER a great place to work.

Learn More

PREMIER Benefits 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

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.

Celebrating Success

Recognizing and rewarding success is an important part of the PREMIER culture. We celebrate and show our appreciation with private concerts and special events. We’ve also celebrated with surprise gifts, cash/car giveaways, Apple watches, wireless earbuds and more! 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.