If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

This position may be located in Sioux Falls, SD; Aberdeen, SD; or Rapid City, SD. What's Important to You\nWe know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible. Generous Paid Time Off (PTO) in addition to paid federal holidays.\nStudent debt employer repayment program.\n401(k) retirement plan with a 6% match.\nThe health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve and why we want YOU to be a part of it. We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate. SUMMARY\nThe Credit Analyst III collaborates with relationship managers in gathering and evaluating commercial credit related information on current and prospective customers by preparing written reports of analysis which include in-depth analysis of financial statements, historical and projection-based cash flow and ratio analysis, suggested credit structure, general industry analysis and identified risks.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Reads, reviews, and understands various financial statements to include but not limited to; tax returns, balance sheets, profit and loss statements, agings, borrowing base certificates, debt schedules, equipment lists, credit bureau reports, rent rolls, lease agreements, and appraisals.\nPrepares financial spreads for various types of commercial and real estate businesses, municipalities, non-profits, and individuals acting as direct obligation borrowers or guarantors.\nAnalyzes credit worthiness of commercial applicants and guarantors as appropriate by reviewing the loan application, spreading historical and projection based financial statements, calculating cash flows, leverage, and liquidity ratios, evaluating collateral, conducting research on the borrower(s) and key industries, and identifying risks.\nAnalyzes findings and authors a comprehensive report of analysis using a mix of data analysis (charts, formulas, graphs, etc.) and written narrative.\nEvaluates credit quality and suggests proper risk rating based on analysis of most recent financial information.\nPossesses proficiency relative to credit transactions and analytical skills sufficient to enable independent underwriting of commercial requests for streamlined to complex requests with limited guidance from immediate manager.\nEnsures compliance to applicable regulations and keeps up to date with changes in federal regulations and FIB credit policy requirements.\nAssists the Relationship Manager in the preparation of reports for quarterly monitoring of classified and criticized commercial relationships.\nCompletes financial performance metric covenant testing utilizing prepared financial spreads.\nPortfolio management as assigned.\nParticipates in a quality control program that provides for the monthly review of general forms, spreads, and analysis with the provision of feedback and mentoring.\nParticipates in the production and development of training materials and assists with the delivery of training through various channels.\nPartakes in a mentorship program with lower-level analysts to assist in guidance and the overall development of credit acumen.\nActs as a resource for Relationship Managers and other analysts for questions relating to Loan Policy, loan structuring, and underwriting recommendations.

QUALIFICATIONS

\nTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

Strong organization and time management skills.\nExcellent written and verbal skills.\nAble to develop and maintain internal and external relationships with individuals such as Relationship Managers, Credit Officers, and Risk Management Personnel.\nAble to work in a fast-paced environment, set priorities, and establish and meet strict deadlines with the flexibility to adapt quickly to changing priorities.\nSelf-motivated and possess the ability to assist with credit risk decisions.\nStrong analytical and problem-solving skills, as well as an attention to detail.\nAble to prioritize and work with others in an integrated way to achieve individual objectives and team results with flexibility to adapt to changing volumes, requirements, and areas of focus.\nProficient with Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.\nAble to acclimate quickly to other programs.

EDUCATION AND/OR EXPERIENCE

Bachelor's Degree in Business, Finance, or related field required\n7-9 years of banking experience and/or equivalent combination of education and experience required\n4-6 years experience in a similar position required\nExperience with financial spread software required\nCommercial banking experience preferred

PHYSICAL DEMANDS AND WORKING ENVIRONMENT

\nThe physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer. Dexterity of hands/fingers to operate computer keyboard and mouse

Frequently\nLifting
Occasionally (up to 10 lbs)\nSitting
Frequently\nNoise Level
Moderate\nTypical Work Hours
M-F (8-5)\nRegular and Predictable Attendance
Required\n
If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

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