Senior Credit Analyst

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.

Responsibilities

• 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.

Qualifications

• 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.

Skills

• 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.

Benefits

• 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) with 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, including concerts, outdoor bashes, cash, and car giveaways.

Pay

Competitive benefits package.

Schedule

Monday–Friday, 8:00 AM–5:00 PM.

Location

Sioux Falls, SD.

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 private concerts, outdoor bashes, cash, car giveaways, and more.

Considered one of the nation’s strongest financial organizations, success is guided by The PREMIER Way—shared views and values that emphasize how to treat customers, co-workers, and communities, serving as a roadmap for success inside and outside the workplace.