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HomeCompanies08C489536736DC74D2C102147A2A4AA5Credit Analyst I

Credit Analyst I

08C489536736DC74D2C102147A2A4AA5 · Corporate Office - Rapid City, SD 57702; SF - W 10th St. Branch - Sioux Falls, SD 57104; 2700 N Plaza Dr, Rapid City, SD, 57702, USA · Active · Paycom ATS

Job facts

FieldValue
Company08C489536736DC74D2C102147A2A4AA5
TitleCredit Analyst I
Normalized title-
Department / teamBanking
LocationRapid City, SD, United States
Work model-
Employment type-
Salary-
Statusactive
ATS providerPaycom ATS
Posted / first seen2026-06-01 / 2026-06-03
Changed / last seen2026-06-03 / 2026-06-06

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Linked records

Company08C489536736DC74D2C102147A2A4AA5
Sourced2474413-fba3-4e08-bf39-131905f51fa9
ATS providerPaycom ATS

Description

Description Who We Are We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members. At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths. General Purpose :  Independently completes commercial credit analysis and written presentations on the largest and most complex, commercial, and/or agricultural credit relationships. Analyze and prepare written presentations to recommend approval, denial or alternative structures and note any deviations from Loan Policy as appropriate.  Work with Commercial and/or Agricultural Loan Officers to discuss issues and ask questions with minimal guidance from the Credit Administration Manager. Essential Duties/Responsibilities for ALL Levels: Spread and analyze financial reports including but not limited to year-end financial statements, personal financial statements, interim financial statements, accounts receivable and accounts payable from the loan officers, borrowers or borrowers’ accountants. Responsible for independently managing: spread workflow, underwriting workflow, and deadlines. Gather, consolidate, analyze and summarize data to provide well-considered recommendations for complex levels of commercial credit relationships. Identify and quantify risks, prepare written detailed analyses, and present these facts and offer opinions concerning credit-worthiness of borrowers. Confer with lenders and other business representatives to exchange and verify credit information and financial transactions. Participate in discussions with and/or calls to existing or potential members. Occasionally meets with members to review their business operations, discuss their financial statements and analyze their credit requirements. Act as control point in the loan approval process to ensure adherence to credit policies and loan covenants. Complete tasks as assigned by Credit Administration Manager including monitoring and testing financial covenants, assist with audits, examinations, stress testing and risk reviews. Provide training to other credit analysts as needed. Additional Essential Duties/Responsibilities for Senior Level: Direct underwriting of existing and new credit exposures for Commercial, Participation, CUSO, and/or Agricultural opportunities. Assist in supervising and monitoring workflow of other credit analysts. Assist with call report and other quarterly and monthly reporting. Assumes additional duties and responsibilities as required. Other Duties/Responsibilities: Keep current on business related compliance issues. Understand SBA/USDA underwriting requirements and documents. Assist lenders and loan support staff in loan closing activities. Keeps current on trends within the industry by attending seminars, workshops and reading industry periodicals. Attend and participate in various committee meetings. May assist Credit Administration Manager in conducting job interviews. Job Knowledge: Working knowledge of the credit union's products and services. Working knowledge of the credit union’s policies/procedures and credit union's service philosophy. Working knowledge of safety and security program for false alarms, robberies, bomb threats and extortion. Working knowledge of credit union's in-house computer system/Internet. Advanced knowledge of state and federal business lending regulations. Strong developed knowledge of credit and financial analysis techniques. Job Qualifications (Skills): Black Hills FCU is committed to working with its employees to provide reasonable accommodation for them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job. Vision:  A sighted person to review effectively documents. Speech/Hearing:  Ability to communicate verbally and in writing with staff, members and vendors. Manual Dexterity:  Ability to perform necessary computer-related input. Physical Mobility:  Limited mobility required. Requires the ability to work flexible hours. Job Qualifications (Ability): Must be able to work in a fast-paced environment and execute multiple tasks successfully for meeting timely deadlines. PC proficiency with spreadsheet and word processing software. Proficiency with financial statement analysis software. Excellent oral and written communication skills. Ability to present a professional and personable personality. Strong ability to confidently and assertively defend analytical decisions. Job Qualifications (Education/Experience): MINIMUM EDUCATION REQUIREMENTS for ALL LEVELS B.S/B.A in accounting, finance, or general business ( or e q u i v a l e n t e x p e r i e n c e ). 9 hours in accounting preferred. 12 hours in finance preferred. MINIMUM WORK EXPERIENCE LEVEL I: 1 to 3 years of credit analysis experience in a financial institution or regulatory agency, or recent graduate that meets the educational requirements, that includes analysis of smaller, less complex, credits and composing analytical reports Ability to analyze credits based on tax returns Formal credit training Knowledge of collateral and credit documentation and borrowing entity structure MINIMUM WORK EXPERIENCE LEVEL II: 3 to 5 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports. Ability to analyze credits based on tax returns. Formal credit training. Knowledge of collateral and credit documentation and borrowing entity structure. MINIMUM WORK EXPERIENCE SENIOR: 5 to 7 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports. Ability to analyze credits based on tax returns. Formal credit training. Knowledge of collateral and credit documentation and borrowing entity structure. Working Conditions: Material and Equipment Involved Personal Computer WebEx Tablet and Mobile Devices Scanners Excel Word Photocopy Machine Various Software Applications Salesforce Work Environment/Physical Activities Occasional travel to one of the BHFCU's branch locations or attendance at community events may be required. Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise. Mental and/or Emotional Requirements Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters. Notice:   This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer. Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.

Full job record

Job ID536fa8dead7061c553b9292f39f60a19d7e100ea
Org ID897081c8-13a8-42ec-81d9-1524996722a8
Source IDd2474413-fba3-4e08-bf39-131905f51fa9
Board IDd2474413-fba3-4e08-bf39-131905f51fa9
Providerpaycom
Provider Job Key535225
TitleCredit Analyst I
Normalized Title
Statusactive
Activeyes
Location TextCorporate Office - Rapid City, SD 57702; SF - W 10th St. Branch - Sioux Falls, SD 57104; 2700 N Plaza Dr, Rapid City, SD, 57702, USA
DepartmentBanking
Team
Employment Type
Workplace Type
Remote Policy
CountryUnited States
RegionSD
CityRapid City
Salary RawDescription Who We Are We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members. At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths. General Purpose :  Independently completes commercial credit analysis and written presentations on the largest and most complex, commercial, and/or agricultural credit relationships. Analyze and prepare written presentations to recommend approval, denial or alternative structures and note any deviations from Loan Policy as appropriate.  Work with Commercial and/or Agricultural Loan Officers to discuss issues and ask questions with minimal guidance from the Credit Administration Manager. Essential Duties/Responsibilities for ALL Levels: Spread and analyze financial reports including but not limited to year-end financial statements, personal financial statements, interim financial statements, accounts receivable and accounts payable from the loan officers, borrowers or borrowers’ accountants. Responsible for independently managing: spread workflow, underwriting workflow, and deadlines. Gather, consolidate, analyze and summarize data to provide well-considered recommendations for complex levels of commercial credit relationships. Identify and quantify risks, prepare written detailed analyses, and present these facts and offer opinions concerning credit-worthiness of borrowers. Confer with lenders and other business representatives to exchange and verify credit information and financial transactions. Participate in discussions with and/or calls to existing or potential members. Occasionally meets with members to review their business operations, discuss their financial statements and analyze their credit requirements. Act as control point in the loan approval process to ensure adherence to credit policies and loan covenants. Complete tasks as assigned by Credit Administration Manager including monitoring and testing financial covenants, assist with audits, examinations, stress testing and risk reviews. Provide training to other credit analysts as needed. Additional Essential Duties/Responsibilities for Senior Level: Direct underwriting of existing and new credit exposures for Commercial, Participation, CUSO, and/or Agricultural opportunities. Assist in supervising and monitoring workflow of other credit analysts. Assist with call report and other quarterly and monthly reporting. Assumes additional duties and responsibilities as required. Other Duties/Responsibilities: Keep current on business related compliance issues. Understand SBA/USDA underwriting requirements and documents. Assist lenders and loan support staff in loan closing activities. Keeps current on trends within the industry by attending seminars, workshops and reading industry periodicals. Attend and participate in various committee meetings. May assist Credit Administration Manager in conducting job interviews. Job Knowledge: Working knowledge of the credit union's products and services. Working knowledge of the credit union’s policies/procedures and credit union's service philosophy. Working knowledge of safety and security program for false alarms, robberies, bomb threats and extortion. Working knowledge of credit union's in-house computer system/Internet. Advanced knowledge of state and federal business lending regulations. Strong developed knowledge of credit and financial analysis techniques. Job Qualifications (Skills): Black Hills FCU is committed to working with its employees to provide reasonable accommodation for them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job. Vision:  A sighted person to review effectively documents. Speech/Hearing:  Ability to communicate verbally and in writing with staff, members and vendors. Manual Dexterity:  Ability to perform necessary computer-related input. Physical Mobility:  Limited mobility required. Requires the ability to work flexible hours. Job Qualifications (Ability): Must be able to work in a fast-paced environment and execute multiple tasks successfully for meeting timely deadlines. PC proficiency with spreadsheet and word processing software. Proficiency with financial statement analysis software. Excellent oral and written communication skills. Ability to present a professional and personable personality. Strong ability to confidently and assertively defend analytical decisions. Job Qualifications (Education/Experience): MINIMUM EDUCATION REQUIREMENTS for ALL LEVELS B.S/B.A in accounting, finance, or general business ( or e q u i v a l e n t e x p e r i e n c e ). 9 hours in accounting preferred. 12 hours in finance preferred. MINIMUM WORK EXPERIENCE LEVEL I: 1 to 3 years of credit analysis experience in a financial institution or regulatory agency, or recent graduate that meets the educational requirements, that includes analysis of smaller, less complex, credits and composing analytical reports Ability to analyze credits based on tax returns Formal credit training Knowledge of collateral and credit documentation and borrowing entity structure MINIMUM WORK EXPERIENCE LEVEL II: 3 to 5 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports. Ability to analyze credits based on tax returns. Formal credit training. Knowledge of collateral and credit documentation and borrowing entity structure. MINIMUM WORK EXPERIENCE SENIOR: 5 to 7 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports. Ability to analyze credits based on tax returns. Formal credit training. Knowledge of collateral and credit documentation and borrowing entity structure. Working Conditions: Material and Equipment Involved Personal Computer WebEx Tablet and Mobile Devices Scanners Excel Word Photocopy Machine Various Software Applications Salesforce Work Environment/Physical Activities Occasional travel to one of the BHFCU's branch locations or attendance at community events may be required. Physical Requirements Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Working Conditions Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise. Mental and/or Emotional Requirements Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters. Notice:   This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer. Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.
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Source URLhttps://www.paycomonline.net/v4/ats/web.php/jobs/ViewJobDetails?job=535225&clientkey=08C489536736DC74D2C102147A2A4AA5
Apply URLhttps://www.paycomonline.net/v4/ats/web.php/jobs/ViewJobDetails?job=535225&clientkey=08C489536736DC74D2C102147A2A4AA5
First Seen At2026-06-03 10:07:19Z
Last Seen At2026-06-06 09:57:54Z
Last Checked At2026-06-06 09:57:54Z
Last Changed At2026-06-03 10:07:19Z
Inactive At
Source Posted At2026-06-01 00:00:00Z
Source Updated At
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    "description": "<p align=\"center\" style=\"text-align:center;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\"><b><u>Who We Are</u></b></span></span></span></p>\n\n<p align=\"center\" style=\"text-align:center;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><i><span style=\"letter-spacing:-0.1pt;\">We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, \"We Improve Lives.\" This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.</span></i></span></span></span></p>\n\n<p align=\"center\" style=\"text-align:center;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><i><span style=\"letter-spacing:-0.1pt;\">At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.</span></i></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">General Purpose<font color=\"#0782c1\">:</font></span></b><span style=\"letter-spacing:-0.1pt;\"> Independently completes commercial credit analysis and written presentations on the largest and most complex, commercial, and/or agricultural credit relationships. Analyze and prepare written presentations to recommend approval, denial or alternative structures and note any deviations from Loan Policy as appropriate.  Work with Commercial and/or Agricultural Loan Officers to discuss issues and ask questions with minimal guidance from the Credit Administration Manager.    </span></span></span></span></p>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Essential Duties/Responsibilities for ALL Levels:</span></b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Spread and analyze financial reports including but not limited to year-end financial statements, personal financial statements, interim financial statements, accounts receivable and accounts payable from the loan officers, borrowers or borrowers’ accountants.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Responsible for independently managing: spread workflow, underwriting workflow, and deadlines.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Gather, consolidate, analyze and summarize data to provide well-considered recommendations for complex levels of commercial credit relationships.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Identify and quantify risks, prepare written detailed analyses, and present these facts and offer opinions concerning credit-worthiness of borrowers. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Confer with lenders and other business representatives to exchange and verify credit information and financial transactions.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Participate in discussions with and/or calls to existing or potential members.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Occasionally meets with members to review their business operations, discuss their financial statements and analyze their credit requirements.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Act as control point in the loan approval process to ensure adherence to credit policies and loan covenants.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Complete tasks as assigned by Credit Administration Manager including monitoring and testing financial covenants, assist with audits, examinations, stress testing and risk reviews.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Provide training to other credit analysts as needed. </span></span></span></li>\n</ul>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Additional Essential Duties/Responsibilities for Senior Level:</span></b></span></span></span></p>\n\n<ul>\n\t<li style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\"><span style=\"letter-spacing:-0.1pt;\">Direct underwriting of existing and new credit exposures for Commercial, Participation, CUSO, and/or Agricultural opportunities.</span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Assist in supervising and monitoring workflow of other credit analysts.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Assist with call report and other quarterly and monthly reporting.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Assumes additional duties and responsibilities as required.</span></span></span></li>\n</ul>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b>Other Duties/Responsibilities:</b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\"><span style=\"letter-spacing:-0.1pt;\">Keep current on business related compliance issues.</span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\"><span style=\"letter-spacing:-0.1pt;\">Understand SBA/USDA underwriting requirements and documents.</span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Assist lenders and loan support staff in loan closing activities.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Keeps current on trends within the industry by attending seminars, workshops and reading industry periodicals. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Attend and participate in various committee meetings. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">May assist Credit Administration Manager in conducting job interviews.</span></span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><b><span style=\"letter-spacing:-0.1pt;\">Job Knowledge:</span></b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Working knowledge of the credit union's products and services.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Working knowledge of the credit union’s policies/procedures and credit union's service philosophy. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Working knowledge of safety and security program for false alarms, robberies, bomb threats and extortion.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Working knowledge of credit union's in-house computer system/Internet.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Advanced knowledge of state and federal business lending regulations.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:107%;\">Strong developed knowledge of credit and financial analysis techniques.</span></span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><b><span style=\"letter-spacing:-0.1pt;\">Job Qualifications (Skills):</span></b></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Black Hills FCU is committed to working with its employees to provide reasonable accommodation for them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job.</span></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Vision:  A sighted person to review effectively documents.</span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Speech/Hearing:  Ability to communicate verbally and in writing with staff, members and vendors.</span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Manual Dexterity:  Ability to perform necessary computer-related input.</span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Physical Mobility:  Limited mobility required.  </span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Requires the ability to work flexible hours.</span></span></span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><b><span style=\"letter-spacing:-0.1pt;\">Job Qualifications (Ability):</span></b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Must be able to work in a fast-paced environment and execute multiple tasks successfully for meeting timely deadlines. </span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">PC proficiency with spreadsheet and word processing software. </span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Proficiency with financial statement analysis software.</span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Excellent oral and written communication skills.</span></span></span></span></li>\n\t<li style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Ability to present a professional and personable personality.</span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.1pt;\">Strong ability to confidently and assertively defend analytical decisions.</span></span></span></span></li>\n</ul>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Job Qualifications (Education/Experience):</span></b></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:130%;\"><b>MINIMUM EDUCATION REQUIREMENTS for ALL LEVELS</b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">B.S/B.A in accounting, finance, or general business <span style=\"letter-spacing:0.05pt;\">(</span>or e<span style=\"letter-spacing:-0.05pt;\">q</span><span style=\"letter-spacing:0.1pt;\">u</span><span style=\"letter-spacing:0.05pt;\">i</span><span style=\"letter-spacing:-0.05pt;\">v</span><span style=\"letter-spacing:0.1pt;\">a</span><span style=\"letter-spacing:-0.05pt;\">l</span>e<span style=\"letter-spacing:-0.05pt;\">n</span>t e<span style=\"letter-spacing:0.15pt;\">x</span>p<span style=\"letter-spacing:-0.05pt;\">e</span><span style=\"letter-spacing:0.05pt;\">r</span><span style=\"letter-spacing:-0.05pt;\">i</span><span style=\"letter-spacing:0.1pt;\">e</span>n<span style=\"letter-spacing:0.05pt;\">c</span>e<span style=\"letter-spacing:0.2pt;\">).</span></span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">9 hours in accounting preferred.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">12 hours in finance preferred.</span></span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\"><b>MINIMUM WORK EXPERIENCE LEVEL I:</b></span></span></span></p>\n\n<ul>\n\t<li class=\"MsoNoSpacing\" style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\">1 to 3 years of credit analysis experience in a financial institution or regulatory agency, or recent graduate that meets the educational requirements, that includes analysis of smaller, less complex, credits and composing analytical reports</span></span></li>\n\t<li class=\"MsoNoSpacing\" style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\">Ability to analyze credits based on tax returns</span></span></li>\n\t<li class=\"MsoNoSpacing\" style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\">Formal credit training</span></span></li>\n\t<li class=\"MsoNoSpacing\" style=\"margin-left:8px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\">Knowledge of collateral and credit documentation and borrowing entity structure</span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"> </p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\"><b>MINIMUM WORK EXPERIENCE LEVEL II:</b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">3 to 5 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Ability to analyze credits based on tax returns. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Formal credit training.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Knowledge of collateral and credit documentation and borrowing entity structure.</span></span></span></li>\n</ul>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\"><b>MINIMUM WORK EXPERIENCE SENIOR:</b></span></span></span></p>\n\n<ul style=\"margin-bottom:11px;\">\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">5 to 7 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Ability to analyze credits based on tax returns. </span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Formal credit training.</span></span></span></li>\n\t<li style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:11pt;\">Knowledge of collateral and credit documentation and borrowing entity structure.</span></span></span></li>\n</ul>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Working Conditions:</span></b></span></span></span></p>\n\n<p style=\"margin-left:48px;text-align:justify;text-indent:-0.5in;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Material and Equipment Involved</span></b> </span></span></span></p>\n\n<ul>\n\t<li style=\"margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"letter-spacing:-0.2px;\">Personal Computer </span></span></span></li>\n\t<li style=\"margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">WebEx</span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.15pt;\">Tablet</span> <span style=\"letter-spacing:-0.1pt;\">and</span> <span style=\"letter-spacing:-0.15pt;\">Mobile</span> <span style=\"letter-spacing:-0.15pt;\">Devices</span></span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.15pt;\">Scanners</span></span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">Excel</span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">Word</span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.15pt;\">Photocopy</span> <span style=\"letter-spacing:-0.15pt;\">Machine</span></span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\"><span style=\"letter-spacing:-0.15pt;\">Various</span> <span style=\"letter-spacing:-0.15pt;\">Software</span> <span style=\"letter-spacing:-0.15pt;\">Applications</span></span></span></span></li>\n\t<li style=\"margin-top:1px;margin-left:8px;text-align:justify;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:normal;\">Salesforce</span></span></span></li>\n</ul>\n\n<p class=\"MsoNoSpacing\"> </p>\n\n<p style=\"margin-left:48px;text-align:justify;text-indent:-0.5in;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Work Environment/Physical Activities</span></b></span></span></span></p>\n\n<p style=\"margin-left:48px;text-align:justify;text-indent:-0.5in;margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\">Occasional travel to one of the BHFCU's branch locations or attendance at community events may be required.</span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Physical Requirements</span></b></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><span style=\"letter-spacing:-0.1pt;\">Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.</span></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Working Conditions</span></b></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><span style=\"letter-spacing:-0.1pt;\">Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.</span></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Mental and/or Emotional Requirements</span></b></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><span style=\"letter-spacing:-0.1pt;\">Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.</span></span></span></span></p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><b><span style=\"letter-spacing:-0.1pt;\">Notice:</span></b><span style=\"letter-spacing:-0.1pt;\">  This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer.</span></span></span></span></p>\n\n<p style=\"text-align:justify;margin-bottom:11px;\"> </p>\n\n<p style=\"margin-bottom:11px;\"><span style=\"font-size:12px;\"><span style=\"font-family:Verdana, Geneva, sans-serif;\"><span style=\"line-height:12pt;\"><i><span style=\"background:#FFFFFF;\"><span style=\"color:#444444;\">Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.</span></span></i></span></span></span></p>",
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    "googleJobJson": "{\"@context\":\"https://schema.org/\",\"@type\":\"JobPosting\",\"title\":\"Credit Analyst I\",\"identifier\":\"J0WF02535225\",\"url\":\"https://www.paycomonline.net/v4/ats/web.php/portal/08C489536736DC74D2C102147A2A4AA5/jobs/535225\",\"image\":\"https://www.paycomonline.net/v4/ats/web.php/application/style/logo?clientkey=08C489536736DC74D2C102147A2A4AA5\",\"datePosted\":\"2026-06-01\",\"description\":\"Job DetailsJob Location: Corporate Office - Rapid City, SD 57702Job Category: BankingWho We Are\\n\\nWe have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, \\\"We Improve Lives.\\\" This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.\\n\\nAt Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.\\n\\nGeneral Purpose: Independently completes commercial credit analysis and written presentations on the largest and most complex, commercial, and/or agricultural credit relationships. Analyze and prepare written presentations to recommend approval, denial or alternative structures and note any deviations from Loan Policy as appropriate.  Work with Commercial and/or Agricultural Loan Officers to discuss issues and ask questions with minimal guidance from the Credit Administration Manager.    \\n\\nEssential Duties/Responsibilities for ALL Levels:\\n\\n\\n\\tSpread and analyze financial reports including but not limited to year-end financial statements, personal financial statements, interim financial statements, accounts receivable and accounts payable from the loan officers, borrowers or borrowers’ accountants.\\n\\tResponsible for independently managing: spread workflow, underwriting workflow, and deadlines.\\n\\tGather, consolidate, analyze and summarize data to provide well-considered recommendations for complex levels of commercial credit relationships.\\n\\tIdentify and quantify risks, prepare written detailed analyses, and present these facts and offer opinions concerning credit-worthiness of borrowers. \\n\\tConfer with lenders and other business representatives to exchange and verify credit information and financial transactions.\\n\\tParticipate in discussions with and/or calls to existing or potential members.\\n\\tOccasionally meets with members to review their business operations, discuss their financial statements and analyze their credit requirements.\\n\\tAct as control point in the loan approval process to ensure adherence to credit policies and loan covenants.\\n\\tComplete tasks as assigned by Credit Administration Manager including monitoring and testing financial covenants, assist with audits, examinations, stress testing and risk reviews.\\n\\tProvide training to other credit analysts as needed. \\n\\n\\nAdditional Essential Duties/Responsibilities for Senior Level:\\n\\n\\n\\tDirect underwriting of existing and new credit exposures for Commercial, Participation, CUSO, and/or Agricultural opportunities.\\n\\tAssist in supervising and monitoring workflow of other credit analysts.\\n\\tAssist with call report and other quarterly and monthly reporting.\\n\\tAssumes additional duties and responsibilities as required.\\n\\n\\nOther Duties/Responsibilities:\\n\\n\\n\\tKeep current on business related compliance issues.\\n\\tUnderstand SBA/USDA underwriting requirements and documents.\\n\\tAssist lenders and loan support staff in loan closing activities.\\n\\tKeeps current on trends within the industry by attending seminars, workshops and reading industry periodicals. \\n\\tAttend and participate in various committee meetings. \\n\\tMay assist Credit Administration Manager in conducting job interviews.\\n\\n\\nJob Knowledge:\\n\\n\\n\\tWorking knowledge of the credit union's products and services.\\n\\tWorking knowledge of the credit union’s policies/procedures and credit union's service philosophy. \\n\\tWorking knowledge of safety and security program for false alarms, robberies, bomb threats and extortion.\\n\\tWorking knowledge of credit union's in-house computer system/Internet.\\n\\tAdvanced knowledge of state and federal business lending regulations.\\n\\tStrong developed knowledge of credit and financial analysis techniques.\\n\\n\\nJob Qualifications (Skills):\\n\\nBlack Hills FCU is committed to working with its employees to provide reasonable accommodation for them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job.\\n\\n\\n\\tVision:  A sighted person to review effectively documents.\\n\\tSpeech/Hearing:  Ability to communicate verbally and in writing with staff, members and vendors.\\n\\tManual Dexterity:  Ability to perform necessary computer-related input.\\n\\tPhysical Mobility:  Limited mobility required.  \\n\\tRequires the ability to work flexible hours.\\n\\n\\nJob Qualifications (Ability):\\n\\n\\n\\tMust be able to work in a fast-paced environment and execute multiple tasks successfully for meeting timely deadlines. \\n\\tPC proficiency with spreadsheet and word processing software. \\n\\tProficiency with financial statement analysis software.\\n\\tExcellent oral and written communication skills.\\n\\tAbility to present a professional and personable personality.\\n\\tStrong ability to confidently and assertively defend analytical decisions.\\n\\n\\nJob Qualifications (Education/Experience):\\n\\nMINIMUM EDUCATION REQUIREMENTS for ALL LEVELS\\n\\n\\n\\tB.S/B.A in accounting, finance, or general business (or equivalent experience).\\n\\t9 hours in accounting preferred.\\n\\t12 hours in finance preferred.\\n\\n\\nMINIMUM WORK EXPERIENCE LEVEL I:\\n\\n\\n\\t1 to 3 years of credit analysis experience in a financial institution or regulatory agency, or recent graduate that meets the educational requirements, that includes analysis of smaller, less complex, credits and composing analytical reports\\n\\tAbility to analyze credits based on tax returns\\n\\tFormal credit training\\n\\tKnowledge of collateral and credit documentation and borrowing entity structure\\n\\n\\n \\n\\nMINIMUM WORK EXPERIENCE LEVEL II:\\n\\n\\n\\t3 to 5 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports.\\n\\tAbility to analyze credits based on tax returns. \\n\\tFormal credit training.\\n\\tKnowledge of collateral and credit documentation and borrowing entity structure.\\n\\n\\nMINIMUM WORK EXPERIENCE SENIOR:\\n\\n\\n\\t5 to 7 years of credit analysis experience in a financial institution or regulatory agency that includes analysis of complex credits and composing analytical reports.\\n\\tAbility to analyze credits based on tax returns. \\n\\tFormal credit training.\\n\\tKnowledge of collateral and credit documentation and borrowing entity structure.\\n\\n\\nWorking Conditions:\\n\\nMaterial and Equipment Involved \\n\\n\\n\\tPersonal Computer \\n\\tWebEx\\n\\tTablet and Mobile Devices\\n\\tScanners\\n\\tExcel\\n\\tWord\\n\\tPhotocopy Machine\\n\\tVarious Software Applications\\n\\tSalesforce\\n\\n\\n \\n\\nWork Environment/Physical Activities\\n\\nOccasional travel to one of the BHFCU's branch locations or attendance at community events may be required.\\n\\nPhysical Requirements\\n\\nPerform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.\\n\\nWorking Conditions\\n\\nMust be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.\\n\\nMental and/or Emotional Requirements\\n\\nMust be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.\\n\\nNotice:  This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer.\\n\\n \\n\\nBlack Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.Qualifications\",\"responsibilities\":\"Who We Are\\n\\nWe have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, \\\"We Improve Lives.\\\" This mission empowers us to serve the greater good and to make a difference in our world. 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opinions concerning credit-worthiness of borrowers. \\n\\tConfer with lenders and other business representatives to exchange and verify credit information and financial transactions.\\n\\tParticipate in discussions with and/or calls to existing or potential members.\\n\\tOccasionally meets with members to review their business operations, discuss their financial statements and analyze their credit requirements.\\n\\tAct as control point in the loan approval process to ensure adherence to credit policies and loan covenants.\\n\\tComplete tasks as assigned by Credit Administration Manager including monitoring and testing financial covenants, assist with audits, examinations, stress testing and risk reviews.\\n\\tProvide training to other credit analysts as needed. \\n\\n\\nAdditional Essential Duties/Responsibilities for Senior Level:\\n\\n\\n\\tDirect underwriting of existing and new credit exposures for Commercial, Participation, CUSO, and/or Agricultural opportunities.\\n\\tAssist in supervising and monitoring workflow of other credit analysts.\\n\\tAssist with call report and other quarterly and monthly reporting.\\n\\tAssumes additional duties and responsibilities as required.\\n\\n\\nOther Duties/Responsibilities:\\n\\n\\n\\tKeep current on business related compliance issues.\\n\\tUnderstand SBA/USDA underwriting requirements and documents.\\n\\tAssist lenders and loan support staff in loan closing activities.\\n\\tKeeps current on trends within the industry by attending seminars, workshops and reading industry periodicals. \\n\\tAttend and participate in various committee meetings. \\n\\tMay assist Credit Administration Manager in conducting job interviews.\\n\\n\\nJob Knowledge:\\n\\n\\n\\tWorking knowledge of the credit union's products and services.\\n\\tWorking knowledge of the credit union’s policies/procedures and credit union's service philosophy. \\n\\tWorking knowledge of safety and security program for false alarms, robberies, bomb threats and extortion.\\n\\tWorking knowledge of credit union's in-house computer system/Internet.\\n\\tAdvanced knowledge of state and federal business lending regulations.\\n\\tStrong developed knowledge of credit and financial analysis techniques.\\n\\n\\nJob Qualifications (Skills):\\n\\nBlack Hills FCU is committed to working with its employees to provide reasonable accommodation for them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job.\\n\\n\\n\\tVision:  A sighted person to review effectively documents.\\n\\tSpeech/Hearing:  Ability to communicate verbally and in writing with staff, members and vendors.\\n\\tManual Dexterity:  Ability to perform necessary computer-related input.\\n\\tPhysical Mobility:  Limited mobility required.  \\n\\tRequires the ability to work flexible hours.\\n\\n\\nJob Qualifications (Ability):\\n\\n\\n\\tMust be able to work in a fast-paced environment and execute multiple tasks successfully for meeting timely deadlines. \\n\\tPC proficiency with spreadsheet and word processing software. \\n\\tProficiency with financial statement analysis software.\\n\\tExcellent oral and written communication skills.\\n\\tAbility to present a professional and personable personality.\\n\\tStrong ability to confidently and assertively defend analytical decisions.\\n\\n\\nJob Qualifications (Education/Experience):\\n\\nMINIMUM EDUCATION REQUIREMENTS for ALL LEVELS\\n\\n\\n\\tB.S/B.A in accounting, finance, or general business (or equivalent experience).\\n\\t9 hours in accounting preferred.\\n\\t12 hours in finance preferred.\\n\\n\\nMINIMUM WORK EXPERIENCE LEVEL I:\\n\\n\\n\\t1 to 3 years of credit analysis experience in a financial institution or regulatory agency, or recent graduate that meets the educational requirements, that includes analysis of smaller, less complex, credits and composing analytical reports\\n\\tAbility to analyze credits based on tax 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