Commercial Credit Analyst

2 weeks ago

Sioux Falls, SD, United States First International Bank and Trust Full time

Commercial Credit Analyst

Department: Corporate

Location: Sioux Falls, SD

PT/FT/Temporary : Full Time

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

At First International Bank & Trust, we believe in building lasting relationships through sound financial decisions and personalized service. We-re seeking a Commercial Credit Analyst who thrives on analyzing financial data, assessing credit risk, and supporting our commitment to responsible lending. If you-re detail-oriented, collaborative, and passionate about helping businesses grow, we invite you to join our team.

Key Responsibilities:

  • Spread and analyze commercial financial statements for C&I (Commercial & Industrial) and CRE (Commercial Real Estate) loans.

  • Evaluate borrower risk and recommend appropriate loan structures for transactions exceeding $15,000,000.

  • Utilize systems such as Abrigo Sageworks to assess credit quality and streamline analysis.

  • Build and maintain financial models to project cash flows and assess repayment capacity.

  • Prepare comprehensive loan presentations, comment sheets, and annual reviews for credit committees.

  • Collaborate with loan officers by attending client and prospect calls to provide financial insights and strengthen relationships.

  • Provide guidance and training to team members on credit analysis best practices.

  • Participate in ongoing training and contribute ideas for process improvement.

Position Competencies:

  • Strong analytical skills with the ability to gather and interpret financial data.

  • Exceptional attention to detail and organization.

  • Clear and informative written communication.

  • Ability to prioritize tasks and manage time effectively.

Qualifications:

  • Bachelor's Degree in Accounting, Finance, Economics, or related field; 3-5 years of experience in credit analysis or commercial lending, with exposure to large scale deals ($15MM+) or an equivalent combination of education and experience.

  • Proficiency in reading and interpreting financial statements, including balance sheets, income statements, and cash flow statements.

  • Experience using Abrigo Sageworks or similar credit analysis systems.

  • Demonstrated ability to build financial models and project future cash flows.

  • Applied underwriting principles to structure loans effectively.

We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:

  • Health, Dental & Vision

  • 401K Retirement Plan with Employer Match

  • Paid Parental Leave

  • Life and Disability Insurance

  • Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.

Equal Opportunity Employer

START YOUR APPLICATION (https://apply.hrmdirect.com/resumedirect/ApplyOnline/Apply.aspx?req_id=3580358&source=3580358-CJB-0)

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