Senior Credit Analyst

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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

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.

• 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.

• 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.

• 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

• 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

Mid‑Senior level

Full‑time

Finance and Sales

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