Senior Credit Analyst

First PREMIER Bank/PREMIER Bankcard; Sioux Falls (SD); On-site; USD 85,000 - 115,000; Full time

Benefits offered by this job

Full medical benefits

Free dental and vision coverage

401(k) with dollar-for-dollar match

Generous paid time off plans

Special discounts for events

Wellness program

Job summary

A financial services institution is seeking a Senior Credit Analyst to conduct complex credit analysis and support loan structuring. The role involves working closely with Business Bankers, analyzing borrower financials, and preparing credit arrangements. Candidates should possess strong skills in interpreting financial statements and risk identification. This full-time position offers a robust benefits package and opportunities for career advancement, emphasizing personal success and wellness.

Qualifications

• Strong ability to work closely with Business Bankers and clients.
• Demonstrated ability to analyze complex financial statements.
• Capacity to ensure compliance with internal credit policies and deadlines.

Responsibilities

• Conduct credit analysis and support commercial loan structuring.
• Prepare detailed credit arrangements with Business Bankers.
• Engage directly with clients for credit-related queries.
• Engage directly with clients as needed to clarify financial data and act as a secondary contact in the lender’s absence.

Skills

Interpreting complex financial statements

Identifying credit risks

Communicating financial insights

Managing multiple credit tasks

Mentoring junior analysts

Education

Bachelor’s degree in business, Finance, Accounting, or related field

Job description

Join to apply for the Senior Credit Analyst role at First PREMIER Bank/PREMIER Bankcard.

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At First PREMIER Bank and PREMIER Bankcard, we’ve created a culture that emphasizes personal success, respect, health, wellness, fun and giving back.

We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities.

Location: Sioux Falls, SD

Shift: M-F 8am-5pm

Job Status: Full-Time

Company: First PREMIER Bank

About The Role

Independently conducts complex credit analysis and supports the structuring of commercial loan relationships. Partners closely with Business Bankers to prepare high-quality credit arrangements, provides advanced financial insights, and ensures compliance with lending policies and timelines. Serves as a mentor and resource to junior analysts, leads training efforts, and contributes to department process improvements and credit administration.

Job Duties And Responsibilities

• Essential duties and responsibilities include the following. Other duties may be assigned.
• Independently analyze complex borrower financials, identify trends and risk factors, and prepare detailed credit arrangements in partnership with Business Bankers to support sound lending decisions.
• Attend and participate in weekly loan committee meetings, providing expert‑level input and responding to questions regarding financial analysis, loan structure, and borrower performance.
• Monitor credit approval timelines and assist Business Bankers with the timely completion of credit memos and annual reviews in alignment with internal lending guidelines.
• Engage directly with clients when needed to clarify financial data, assist with credit‑related questions, and serve as a secondary point of contact in the lender’s absence.

Skills And Qualifications

• Expertise in interpreting complex financial statements, identifying credit risks, and preparing thorough and accurate credit arrangements.
• Strong ability to work closely with Business Bankers and clients, clearly communicate financial insights, and contribute to loan committee discussions.
• Proficiency in managing multiple credit tasks with precision and ensuring compliance with internal credit policy, documentation standards, and deadlines.
• Bachelor’s degree in business, Finance, Accounting, or a related field is preferred; equivalent combination of education and experience will be considered.
• Demonstrated ability to independently analyze complex financial statements and contribute to credit structuring and approval processes.

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

• Emphasis on personal success, respect, health, wellness, fun and giving back
• Employees are rewarded, valued, and celebrated for hard work
• Various career advancement opportunities and growth
• Appreciation shown through concerts, outdoor bashes, cash, car giveaways and more

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function

Finance and Sales

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