Commercial Credit Analyst

1 month ago

Sioux Falls, United States First National Bank Full time
Who we are

We are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve.We take great pride in the relationships we built and the lives we impact.We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest.

Our mission

Our mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.

Our values
  • Passion: We have an unrelenting drive to be great.Quality service is our #1 priority.
  • Commitment: We do not shy away from accountability.We together as a team and embrace the spirit of service.
  • Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.
  • Community: We're proud to support each other and our local communities.We win when our customers win.
To learn more about us, visit www.firstsavingsbanks.bank

About the role

The Credit Analyst is key in making data-backed recommendations through research and analysis of customer financial documents. This role is responsible for analyzing financial data to assess the likelihood of a borrower honoring their financial obligations on behalf of the bank.

Position can be located in Sioux Falls, SD. It is not a remote position.

What you will do
  • Conducts in-depth financial analysis of loan applications including financial statements, tax returns, cash flow projections, and credit reports.
  • Evaluates creditworthiness of prospective borrowers based on financial data, industry trends, and economic conditions.
  • Prepares comprehensive credit presentations outlining the recommended credit structure, terms, and conditions.
  • Monitors the credit risk of the existing portfolio by reviewing financial statements and conducting regular portfolio reviews.
  • Works closely with the loan officer to ensure timely and accurate credit decisions are made.
  • Adheres to all company credit policies and guidelines established by the bank.
  • Other duties as assigned.
What you will need
  • Bachelor's degree in Finance, Accounting, or related field required.
  • 2+ years of experience in credit analysis or lending preferred.
  • Experience with Moody's Analytics or similar software strongly preferred.
What we offer
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Paid Vacation, Sick, and Holiday time
  • A competitive 6% 401k match
  • And more

Candidate must pass a pre-employment screening including credit history and criminal record check.

Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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