Credit Analyst

Join Our Team as a Credit Analyst I

In-Office | Full-Time (40 hours/week) | Non-Exempt

Available Locations: Box Elder, Hill City, or Custer - Choose Your Branch!

If you enjoy digging into financial details, asking smart questions, and understanding the story behind the numbers, Sentinel Federal Credit Union may be the place for you.

We’re seeking a Credit Analyst to support our commercial and agricultural lending teams. This role is ideal for someone early in their credit career—or ready to take the next step—who wants hands-on experience, strong mentorship, and a clear path for professional growth.

• $23.00/hour for candidates without direct credit analysis experience (training and mentorship provided)

• $25.00 – $27.00/hour for candidates with relevant experience, DOE

• Eligible for incentive and bonus opportunities

We believe thoughtful lending starts with well-supported employees.

• Medical, Dental & Vision Insurance

• Health, Dependent Care & Medical Flex Spending Accounts

• Life Insurance & Long-Term Disability

• Employee Assistance Program (EAP)

• Aflac

• 3 weeks of vacation per year

• Paid holidays & personal days

• Paid volunteer hours

• Inclement weather pay

• Regular team-building events and celebrations

• Paid professional development and networking opportunities

• Mentorship program

• Professional book reimbursement

• Regular team-building activities

• Strong commitment to internal promotion and career advancement

At Sentinel, you’ll find purpose—not just a job. As a member-focused credit union, we support local businesses and farms through thoughtful, relationship-based lending. Our work is guided by our core values of Service, Trust, Respect, Ownership, Nimble, and Guardian.

You’ll gain:

• Exposure to commercial and agricultural underwriting

• Opportunities to expand your analytical and credit skill set

• A collaborative environment that values curiosity and accuracy

• The satisfaction of strengthening local economies

• Underwrite, with guidance, both complex and non-complex commercial and agricultural credit requests

• Gather, consolidate, and analyze financial data to support sound credit decisions

• Draft detailed credit memorandums outlining risks, strengths, and mitigants

• Present analysis and recommendations to credit administration

• Participate in discussions around loan structure, pricing, and risk considerations

• Partner closely with lenders and credit staff to verify information and ensure accuracy

• Participate in member conversations, calls, and site visits as needed

• Serve as a control point in the loan approval process, ensuring compliance with policy and covenants

• Track covenant monitoring, borrowing base certificates, and financial reporting using the lending tickler system

• Assist with audits, exams, stress testing, risk reviews, and special projects

• Maintain working knowledge of commercial law, UCC, SBA/USDA programs, and applicable regulations

• Support loan closings as needed

• Manage multiple priorities while meeting deadlines in a fast-paced environment

• Deliver exceptional member service through accurate and timely analysis

• Perform other duties as assigned

• Detail-oriented with a strong analytical mindset

• Clear and professional communicator, both written and verbal

• Comfortable asking questions and seeking clarity

• A collaborative team player who enjoys supporting lenders

• Able to interpret financial statements, tax returns, and cash flow analysis

• 1+ year of commercial or agricultural credit experience preferred, but not required for the right candidate

• At least 18 years old with a valid driver’s license

• Bachelor’s degree in accounting, finance, business, or equivalent experience preferred

• Curious, motivated, and eager to grow within the credit field

You’re someone who:

• Communicates thoughtfully and professionally

• Stays focused and accurate on busy days

• Takes initiative and asks insightful questions

• Enjoys understanding the “why” behind the numbers

• Values documentation, compliance, and doing things right

• Wants to be part of a mission-driven, supportive team

Ready to take the next step in your credit career?
?? Send your resume to hr
or apply directly through our careers page.

Sentinel Federal Credit Union is an equal opportunity employer.
We celebrate diversity and are committed to creating an inclusive, respectful workplace for all employees.