Credit Analyst III - Commercial Lending & Risk

First Interstate Bank; Aberdeen (SD); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Generous PTO and holidays

Student debt employer repayment

401(k) with 6% match

Job summary

First Interstate Bank seeks a Credit Analyst III to collaborate with relationship managers in gathering and evaluating commercial credit information. You will prepare reports with in-depth analysis of financial statements, cash flow, ratios, and risk identification, supporting underwriting decisions.

The role requires analyzing credit quality, evaluating collateral, and producing narrative-based reports. Strong MS Office skills and ability to work in a fast-paced banking environment are

Qualifications

• Bachelor's Degree in Business, Finance, or related field.
• 7-9 years of banking experience.
• 4-6 years in a similar position.
• Experience with financial spread software.

Responsibilities

• Reads, reviews, and analyzes financial statements including tax returns, balance sheets, and cash flow.
• Prepares financial spreads for commercial and real estate borrowers.
• Analyzes creditworthiness and risk by reviewing loan applications and financial statements.
• Produces comprehensive reports with data analysis and narrative.
• Supports Relationship Manager with quarterly monitoring of classifications.

Skills

Organization

Time management

Written skills

Verbal skills

Relationship management

Analytical thinking

Problem solving

MS Office

Adaptability

Education

Bachelor's in Business/Finance

7-9 years banking experience

4-6 years in similar position

Experience with financial spread software

Tools

Financial spread software

Job description

First Interstate Bank seeks a Credit Analyst III to collaborate with relationship managers in gathering and evaluating commercial credit information. You will prepare reports with in-depth analysis of financial statements, cash flow, ratios, and risk identification, supporting underwriting decisions.

The role requires analyzing credit quality, evaluating collateral, and producing narrative-based reports. Strong MS Office skills and ability to work in a fast-paced banking environment are