At First PREMIER Bank and PREMIER Bankcard, we’ve created a culture that emphasizes personal success, respect, health, and wellness, fun and giving back. This is an environment where you will be rewarded, valued, and celebrated for your hard work.
We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities. We celebrate our employees and show our appreciation with private concerts, outdoor bashes, cash and car giveaways and more! See some of our epic celebrations and employee recognitions.
Considered one of the nation’s strongest financial organizations, we’ve achieved our success by embodying the views and values of The PREMIER Way. From our CEOs to the newest hires, we all follow these shared views and values to guide us on how to treat our customers, co-workers and communities. The PREMIER Way also serves as a roadmap on how to be successful inside and outside of the workplace. We believe in investing in our employees, their families and our communities.
Job Description:
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 is shown through concerts, outdoor bashes, cash, car giveaways and more
Skills Required
- Independently analyze complex borrower financial statements and identify credit risks
- Prepare detailed credit arrangements and support structuring of commercial loan relationships
- Provide expert input in loan committee meetings and respond to questions regarding loan structure and borrower performance
- Mentor and train junior analysts and lead department process improvements
- Proficiency in managing multiple credit tasks while ensuring compliance with internal credit policies, documentation standards, and deadlines
- Bachelor's degree in Business, Finance, Accounting or related field (or equivalent combination of education and experience)
What We Do
First PREMIER Bank and PREMIER Bankcard are considered one of the strongest financial organizations in the nation. We’ve achieved our success by embodying the views and values of The PREMIER Way. Our customers are the number one reason we exist. Our employees are our most valuable resource, and serving others is our foundational core. We are an American Banker Magazine’s “Best Banks to Work For”, one of the top 15 issuers of Mastercard® credit cards and believe in always doing what’s right for our employees, customers and communities. We are active supporters of more than 700 charities and non-profits. Our employees also contribute over 30,000 hours of community service annually. Member FDIC. Equal Housing Lender. AA/EOE. About First PREMIER Bank First PREMIER Bank is a Sioux Falls-based financial industry leader with nearly $3 billion in total assets. We serve our local, regional and national clients with pride and personal customer care. First PREMIER is consistently ranked as a top-performing bank for asset size by the American Banking Association’s Banking Journal. Most recently, we were named the Best Performing Large Community Bank in the Nation by S & P Global Market Intelligence. About PREMIER Bankcard Second chances are our first priority. As the 12th largest issuer of Mastercard® credit cards, we're proud to have millions of cardholders nationwide - good people who may have had less-than-perfect credit and need someone on their side. Along with a second chance, we also provide award-winning U.S. based customer service and are the recipients of three silver and three bronze Stevie Awards for customer service (Contact Center of the Year, Customer Service Dept. of the Year, Most Valuable Response by a Customer Service Team.)
