Job description:

Black Hills Community Bank is growing and seeking an experienced Credit Analyst to join our team and provide critical support to our lending staff. This position plays an essential role in the bank’s credit administration process by analyzing financial data, assessing borrower creditworthiness, and preparing comprehensive credit presentations that support informed lending decisions.

Key Responsibilities:

Analyze personal, business, and commercial financial statements, tax returns, cash flow, and collateral information
Prepare detailed credit presentations, loan memorandums, and underwriting packages for new, renewal, and existing credit relationships
Evaluate borrower repayment capacity, industry trends, and overall credit risk
Assist lenders in structuring loan requests and identifying strengths, weaknesses, and mitigating factors
Monitor existing loan relationships and provide ongoing portfolio analysis
Ensure compliance with bank credit policy, regulatory guidelines, and underwriting standards
Support the lending team with financial modeling, covenant tracking, and risk rating assessments
Maintain strong communication with lenders, management, and other internal departments

Qualifications:

Bachelor’s degree in Finance, Accounting, Economics, or related field
Minimum of 2 years of credit analysis or commercial banking experience
Strong understanding of financial statement analysis, tax return analysis, and credit underwriting
Excellent written and verbal communication skills
High attention to detail with strong organizational abilities
Proficiency in Microsoft Office, particularly Excel
Ability to manage multiple projects and deadlines in a fast-paced environment

Preferred Skills:

Experience with commercial and agricultural lending
Knowledge of loan policy, credit risk management, and regulatory compliance
Strong problem-solving and decision-making abilities

This position is based in our Rapid City location and offers an excellent opportunity to grow within a dynamic community banking environment while contributing to the continued success of Black Hills Community Bank.

Black Hills Community Bank maintains high expectations of core values, positive attitude, and character in all of our employees. This position will include a comprehensive benefit package, including medical and dental coverage, vision, company-paid long and short-term disability and Life/AD&D, 401(k) Plan, paid vacation and holidays. Resumes should include salary/earnings history. EOE

Job Type: Full-time

Benefits:

401(k)
401(k) matching
Dental insurance
Health insurance
Life insurance
Paid time off
Vision insurance

Experience:

Credit Analysis or Commercial Banking: 2 years (Preferred)

Location:

Rapid City, SD 57701 (Required)

Work Location: In person

Black Hills Community Bank, N.A.

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