Credit Review Associate

2 weeks ago

Sioux Falls, South Dakota, United States First International Bank & Trust Full time


First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work for 10 years running.

We are looking for a Credit Review Associate who can clearly identify borrower risk and translate the risk factors into terms others can understand within a narrative report.

In-Office Position

Key Responsibilities:


Complete assigned monthly reviews of bank's credit relationships to ensure proper documentation, collateral perfection and financial analysis accuracy that are all in accordance with safety and soundness requirements and adhere to Loan Policy.

The review scope may include complex commercial, agricultural, and real estate loan portfolios.

Identify and report any findings which may have an adverse effect on loan collateral or a borrower's ability to repay a loan.

Provide a risk rating determination reflective of credit risk present in loan files.
Leverage internal and external resources to answer complex questions stemming from loan file reviews.

Complete a pre-close review scope on larger loan relationships prior to loan funding to minimize risk and ensure all policy and documentation issues are addressed prior to funding.



Qualifications:
Bachelor's degree from four-year college or university in Accounting, Business Administration, Finance, or a related field.
Previous work history in a bank or similar financial institution required.
Financial experience must include experience reviewing tax returns and or financial statements.
Strong written and verbal communication skills.
Preferred

Qualifications:
Preferred would be someone with 1-3 years of financial experience specifically in analysis or financial preparation. Has an understanding of balance sheets, income statements, and tax returns and can review and underwrite a credit.
2-5 years of banking experience specifically within the Commercial/Ag department with an emphasis on experience in the following departments: credit analysis, loan documentation, credit review, or compliance
Familiarity with Laserpro, Navigator, Sageworks, among other core systems is a plus, and Microsoft Excel/Word is highly recommended.
Experience in reviewing business entity documents and loan/legal documents is preferred.
First International Bank and Trust is a family-owned full-service Community Bank with locations in ND, MN, SD, and AZ.

We show our employees we care by providing competitive benefits, training, and growth opportunities.

Here are the things we offer within our full-time benefits package:

Generous PTO and Holiday pay
Health, Dental & Vision
401K Retirement Plan with Employer Match
Paid Parental Leave
Life and Disability Insurance

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly to

Equal Opportunity Employer

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