Credit Analyst

Job Description

Job Description

Position Summary :

As a Credit Analyst, you will be responsible for evaluating risk associated with commercial loan requests by analyzing company financial performance, industry trends, and other relevant financial information. This role includes preparing and presenting information to loan committees, senior management, and other internal committees.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family – We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation – We embrace change as vital to our success.
• Relationships – We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship – We take care of ourselves so we can take care of others.
• Teamwork – We help each other grow and succeed.

Who we are :

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us – it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do : Accountabilities

Spreading Financials and Underwriting

Accurately enter customer and guarantor financial data into software programs to generate financial spreads, supporting the underwriting of bank documents, applications, and requests in accordance with regulatory requirements and bank policies.

Loan Monitoring & Review

Monitor loans to assess the risk of a loan once the loan is booked.

Partner with Others

Partner with others to ensure team goals are met.

Qualifications

Secondary education in a related field preferred. One or more years of relevant work experience or a combination of education / experience that would enable incumbent to meet accountabilities and required competencies of the position. Experience with banking or credit analysis preferred.

Skills and Abilities

What’s in it for you?