Senior Ag Credit Analyst

First Bank & Trust

Senior Ag Credit Analyst reviewing and risk-rating complex commercial, agricultural, and SBA loans for independent community bank First Bank & Trust. Preparing credit analyses, monitoring covenants, and mentoring credit staff.

Posted 8/19/2026full-timeSioux Falls • South Dakota • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in analyzing and risk-rating complex credit lines, financial statements, and cash flow for commercial and agricultural credits. Proficient in mentoring staff and ensuring compliance with bank policies and regulatory standards.

Highest-signal resume keywords

Credit AnalysisFinancial Statement ReviewCash Flow CalculationProject ManagementMentoring Staff

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentFinancial AnalysisRatio AnalysisSBA Portfolio KnowledgeCovenant Compliance Monitoring

Soft Skills

Communication SkillsAttention to Detail

Industry Keywords

Loan PolicyCredit ClassificationsLoan AgreementsRegulatory ComplianceCredit Presentation

About the role

Key responsibilities & impact

Review loans in accordance with the bank's Loan Policy and Guidelines
Analyze and risk-rate complex credit lines and critique credit classifications assigned by Loan Officers
Ensure credit analysis is consistent with regulatory agency findings
Spread, analyze, and review financial statements for complex current and prospective borrowers across various industries
Calculate cash flow for complex borrowers and guarantors, including projections, trends, and ratio analysis
Summarize findings in the bank's written credit presentation
Prepare annual reviews of borrowing relationships
Analyze intricate credit requests for the SBA portfolio
Monitor covenant compliance with loan agreements
Mentor and train less experienced staff
Present credit exceptions and recommendations to the Credit Analyst Manager or Loan Officer
Communicate with Loan Officers and the Credit Analyst Manager regarding documentation discrepancies and credit weaknesses
Follow up until identified issues are corrected
Attend Loan Committee meetings as needed
Perform department and bank services and projects as required
Attend Credit Department and other committee meetings as requested by management
Act according to First Bank & Trust policies and procedures
Adhere to compliance procedures and complete required compliance training

Requirements

What you’ll need

Bachelor's degree plus ten years of work-related experience or equivalent
Extensive understanding of commercial and agricultural credits
Strong proficiency in project management
Good communication skills
Attention to detail
Understanding of the bank's Loan Policy and Guidelines
Ability to analyze and risk-rate complex credit lines
Ability to spread, analyze, and review financial statements, tax returns, credit reports, and related reporting
Ability to calculate cash flow, projections, trends, and ratio analysis
Knowledge of SBA portfolio credit requests
Ability to monitor covenant compliance with loan agreements
Ability to mentor and train less experienced staff

Benefits

Comp & perks

Comprehensive healthcare benefits, including health, dental, vision, and life insurance
Optional access to additional life, disability, and other forms of insurance
401(k) and ESOP profit sharing
Employer match of up to 7% of employee retirement contributions
Wellness program with gym membership incentives, educational programs, and challenges
Student loan repayment assistance program
Tuition reimbursement
Robust internal training program
Job shadowing and mentorship program
16 paid volunteer service hours for local charities
In-house childcare and preschool available in Brookings for employees' children and grandchildren
Employees are part owners
Positive culture and community involvement