Lead Credit Analyst: CRE, C&I Underwriting & Real Estate

First Interstate Properties, Ltd.; Sioux Falls (SD); On-site; USD 85,000 - 120,000; Full time

Job summary

First Interstate Properties, Ltd. in Sioux Falls, SD seeks a Credit Analyst III to independently evaluate and underwrite complex commercial credits including CRE, C&I, hospitality, and municipalities. You will gather and analyze financial statements, assess creditworthiness, and support loan relationships with Relationship Managers.

You will mentor junior analysts, set risk ratings, and ensure compliance with bank policies and federal regulations while contributing to portfolio performance.

Qualifications

• Read and interpret financial statements including tax returns, balance sheets, P&L, and cash flows.
• Prepare financial spreads for CRE, C&I, municipalities, non-profits, and individuals.
• Analyze creditworthiness and determine appropriate risk ratings with independent judgement.

Responsibilities

• Read, review, and understand financial statements and supporting documents.
• Prepare financial spreads and analyze cash flows, leverage, and liquidity ratios.
• Independently assess credit risk and recommend credit structures and actions.

Skills

Organization & time management

Written & verbal communication

Relationship building

Analytical thinking

Credit risk decisions

Microsoft Office

Education

High School Diploma

Bachelor's degree in Business/Finance or related field

Tools

Credit spread software

Financial modeling software

Job description

First Interstate Properties, Ltd. in Sioux Falls, SD seeks a Credit Analyst III to independently evaluate and underwrite complex commercial credits including CRE, C&I, hospitality, and municipalities. You will gather and analyze financial statements, assess creditworthiness, and support loan relationships with Relationship Managers.

You will mentor junior analysts, set risk ratings, and ensure compliance with bank policies and federal regulations while contributing to portfolio performance.