Credit Analyst

Sentinel Federal Credit Union; Box Elder (SD); On-site; USD 32,000 - 36,000; Full time

Benefits offered by this job

Medical Insurance

Dental/ Vision Insurance

Flex Spending Accounts

Life Insurance and LTD

Employee Assistance Program (EAP)

Job summary

Sentinel Federal Credit Union is hiring a Credit Analyst to join its Lending team in Box Elder, SD. You will evaluate commercial and agricultural loan requests, prepare credit presentations, and provide risk-based recommendations to support sound lending decisions.

Join a team focused on accuracy, compliance, and member service, with opportunities for professional growth in a stable credit-union environment.

Qualifications

• Strong analytical and problem-solving skills.
• Ability to assess risk in commercial and agricultural lending.
• Detail-oriented with excellent written and verbal communication.

Responsibilities

• Analyze commercial and agricultural loan requests and prepare detailed credit presentations and recommendations.
• Gather, consolidate, and evaluate financial information to assess borrower creditworthiness and identify potential risks.
• Prepare written credit memorandums, analyses, and recommendations for new and existing credit relationships.
• Monitor loan covenant compliance, financial reporting requirements, and borrowing base certificates to ensure timely follow-up.
• Collaborate with Commercial and Agricultural Loan Officers to discuss credit opportunities and develop lending solutions.
• Participate in loan structuring discussions, risk reviews, audits, examinations, and stress testing activities.
• Assist with loan closing activities and support the overall commercial lending process.
• Maintain compliance with lending policies, regulations, and underwriting requirements.

Education

Associate's degree or higher in a related field

Job description

Join Our Team as a Credit Analyst

2723 LeMay Blvd, EAFB/Box Elder | Full-Time (40 hours/week)

Looking for a stable, meaningful career where your analytical skills can make a direct impact on the financial health of members, businesses, and the Credit Union? You might be just who we need.

Sentinel Federal Credit Union is hiring a detail-oriented and analytical Credit Analyst to join our Lending team. This role works closely with Commercial and Agricultural Loan Officers to evaluate new and existing credit relationships, assess risk, and provide recommendations that support sound lending decisions.

If you enjoy analyzing financial information, solving complex problems, and contributing to meaningful business decisions, this may be the right opportunity for you.

This position offers the opportunity to develop expertise in commercial and agricultural lending, collaborate with experienced lending professionals, and contribute to the overall success of the Credit Union while working for an organization that values teamwork, stability, and promoting from within.

Pay Range

• $23.10 - $26.00/ hour DOE

At Sentinel, our core values are what guide how we work, support one another, and serve our members. As an organization, we are Sentinel STRONG, and in this role, you will help promote those values every day.

• Serve by providing thorough, timely credit analysis and recommendations that support informed lending decisions and a positive member experience.
• Trust by delivering accurate, consistent, and well-documented analyses that lenders and leadership can rely on when evaluating credit opportunities.
• Respect by collaborating effectively with lenders, members, and team members while communicating clearly and professionally.
• Ownership by taking responsibility for the quality, accuracy, and timeliness of your analyses and recommendations.
• Nimble by adapting to varying loan complexities, changing market conditions, and evolving regulatory requirements while exercising sound judgment.
• Guardianship by protecting the Credit Union's financial health through thoughtful risk assessment, policy compliance, and responsible lending practices.

Why You’ll Love Working at Sentinel

We invest in our people—because when our employees thrive, our members do too.

Benefits That Actually Matter

• Medical, Dental & Vision Insurance
• Dependent Care & Medical Flex Spending Accounts
• Life Insurance & Long-Term Disability
• Employee Assistance Program (EAP)

Time Off & Perks

• 3 weeks of paid time off per year
• Paid holidays & personal days
• Paid volunteer hours
• Inclement weather pay

Growth & Development

• Paid professional development and networking opportunities
• Mentorship program
• Professional book reimbursement
• Strong commitment to internal promotion and career growth

What You’ll Do

• Analyze commercial and agricultural loan requests and prepare detailed credit presentations and recommendations
• Gather, consolidate, and evaluate financial information to assess borrower creditworthiness and identify potential risks
• Prepare written credit memorandums, analyses, and recommendations for new and existing credit relationships
• Monitor loan covenant compliance, financial reporting requirements, and borrowing base certificates to ensure timely follow-up
• Collaborate with Commercial and Agricultural Loan Officers to discuss credit opportunities, verify information, and develop lending solutions
• Participate in loan structuring discussions, risk reviews, audits, examinations, and stress testing activities
• Assist with loan closing activities and support the overall commercial lending process
• Maintain compliance with lending policies, regulations, and underwriting requirements while protecting confidential information

Who You Are

• At least 18 years old
• High School Diploma, GED, or equivalent required
• Minimum of one year of direct experience required
• Associate's degree or higher in a related field preferred
• Experience in a financial institution or credit union environment preferred
• Strong analytical, problem-solving, and critical-thinking skills
• Comfortable interpreting financial statements, identifying trends, and assessing risk
• Strong written and verbal communication skills
• Detail-oriented, organized, and able to manage multiple priorities and deadlines
• Able to maintain confidentiality and handle sensitive financial information appropriately

What We’re Really Looking For

You’re someone who:

• Enjoys digging into financial information and uncovering meaningful insights
• Thinks critically and makes well-reasoned recommendations
• Communicates clearly and professionally with members, lenders, and leadership
• Takes ownership of projects and follows through on commitments
• Values accuracy, accountability, and continuous learning
• Enjoys working collaboratively while contributing independent analysis and expertise