Credit Analyst - Sioux Falls, SD

Job Title Credit Analyst - Sioux Falls, SD
Reports To Vice President/Area Manager
Classification Non-Exempt Full Time
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Responsibilities include gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing up loan requests; promotes business for the Bank by maintaining good customer relations.

Primary Duties

  • Analyze current, historical and projected financial condition and repayment capacity of a variety of operating companies
  • Research and assess credit risk thoroughly with little direction from a supervisor
  • Provide a detailed and concise summary to assess credit risk and provide input as to the quality of the credit
  • Recommend loan structure, pricing and additional credit facilities available for up sell to the lender
  • Prepare, spread and analyze statements
  • Prepare annual reviews
  • Prepare and present credit presentations to Loan Officers and Loan Committee for use in the making of lending decisions on new, renewal, annual review and extension loans
  • Provide various board reports
  • Other duties, responsibilities and activities may change or be assigned at any time with or without notice

Skills Required

  • Previous credit analyst experience required
  • Analytical - Synthesizes complex or diverse information; collects and researches data
  • Problem Solving - Gathers and analyzes information skillfully; Develops alternative solutions
  • Written and Oral Communication - Writes and speaks clearly and informatively; presents numerical data effectively; able to read and interpret written information
  • Teamwork - Balances team and individual responsibilities; supports everyone's efforts to succeed
  • Quality - Demonstrates accuracy and thoroughness
  • Ethics - Works with integrity and ethically
  • Organizational Support - Follows policies and procedures
  • Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment supports and explains reasoning for decisions; makes timely decisions
  • Planning/Organizing - Prioritizes and plans work activities; uses time efficiently
  • Professionalism - Reacts well under pressure; accepts responsibility for own actions; follows through on commitments
  • Quantity - Meets productivity standards; completes work in a timely manner, works quickly
  • Dependability - Follows instructions, responds to management direction; keeps commitments; commits to long hours of work when necessary to reach goals
  • College degree in finance or accounting and two years experience perferred
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