At First PREMIER Bank and PREMIER Bankcard, we’ve created a culture that emphasizes personal success, respect, health, and wellness, fun and giving back. This is an environment where you will be rewarded, valued, and celebrated for your hard work. We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities. We celebrate our employees and show our appreciation with private concerts, outdoor bashes, cash and car giveaways and more! See some of our epic celebrations and employee recognitions. Considered one of the nation’s strongest financial organizations, we’ve achieved our success by embodying the views and values of The PREMIER Way. From our CEOs to the newest hires, we all follow these shared views and values to guide us on how to treat our customers, co-workers and communities. The PREMIER Way also serves as a roadmap on how to be successful inside and outside of the workplace. We believe in investing in our employees, their families and our communities. Job Description: Location: Sioux Falls, SD Shift: M-F 8am-5pm Job Schedule: Full-Time Company: First PREMIER Bank About the Role The Senior Credit Officer supports oversight of credit quality and risk management for the bank’s loan portfolio by promoting sound underwriting, regulatory compliance, and alignment with strategic objectives. The role monitors loan portfolio performance, conducts credit reviews, facilitates training to strengthen loan management practices, provides leadership and oversight of the collections function, supports the management of problem loans, and assists the Chief Credit Officer with a variety of credit-related initiatives. Job Duties and Responsibilities Essential duties and responsibilities include the following. Other duties may be assigned. Develop, recommend, implement, and maintain the bank’s credit risk appetite, policies, and procedures. Collaborate with lending teams to balance growth objectives with prudent risk management. Provide portfolio oversight and guidance related to credit administration, underwriting, credit analysis, documentation, covenant tracking, and exception reporting. Serve as an approval authority within established credit limits and ensure consistent application of underwriting standards across all lending lines (commercial, commercial real estate, agricultural, small business, and consumer). Oversee portfolio risk metrics, including concentrations, stress testing, risk ratings, and criticized/classified assets. Serve as liaison with regulators and participate in regulatory examinations and audits. Provide guidance and support to the Collections Manager responsible for retail and indirect loans, ensuring the collections team meets established objectives. Monitor and support higher-risk loans and overdraft activity, assess associated risks, and take action to mitigate potential losses. Review and approve loans for charge-off due to non-payment or other issues, consistent with established processes. Assist in the oversight of the collection of overdue payments for all lending lines, in compliance with applicable regulations. Skills and Qualifications Ability to analyze financial data, assess risk, and make informed decisions regarding loan applications, performance monitoring, and post-mortem reviews. Deep understanding of credit risk management, loan policy, underwriting standards, and portfolio analytics. Effective communicator with the ability to negotiate loan terms, conduct meetings, and provide training, ensuring clear and concise messaging of expectations and outcomes. Strong understanding of financial principles, loan products, and market trends to manage loan portfolios. Strong knowledge of applicable regulations and compliance requirements to ensure adherence to legal standards. Bachelor’s degree in finance, credit, or a related field preferred. Master’s degree preferred. Minimum of 10 years of demonstrated experience in lending or credit roles, with exposure to commercial, CRE, and agricultural lending, and the capability to mentor, guide, and support lending, credit, or collections teams. Proficient in loan processes, financial statement analysis, and commercial/agricultural underwriting. Strong understanding of lending and banking regulations, credit administration, loan structures, collections, bankruptcy, foreclosure laws, and legal proceedings. Competitive Benefits Package Full medical benefits when working 20+ hours per week Traditional and High Deductible health plan options available FREE dental and vision coverage Generous Paid Time Off plans 401(k) – dollar-for-dollar match up to 5% of total compensation Special discounts and offers for events at the Denny Sanford PREMIER Center PREMIER Wellness Program Paid Community Volunteer Hours – PREMIER averages 30,000 hours per year Fun Employee Parties Our Culture Emphasis on personal success, respect, health, wellness, fun and giving back Employees are rewarded, valued, and celebrated for hard work Various Career advancement opportunities and growth Appreciation is shown through concerts, outdoor bashes, cash, car giveaways and more We Value People At PREMIER you get more than a paycheck, you get a rewarding career where you can make a difference! Headquartered in Sioux Falls, South Dakota, First PREMIER Bank and PREMIER Bankcard are considered one of the nation’s strongest financial organizations. We have achieved this success thanks to our commitment to always doing what is right for our employees, customers and the communities we serve. We value people and treat our employees as our greatest resource. We actively invest in their professional growth and development, make a strong effort to recognize achievement and take the time to celebrate success. Spirit of Giving Back Giving back to our communities is at the heart of PREMIER. We support nearly 700 organizations, non-profits and events. Paid volunteer hours encourage PREMIER employees to get involved in the community. Our employees annually volunteer an average of 33,000 hours for causes important to them. The PREMIER Way Our spirit of giving is rooted in The PREMIER Way and the PREMIER Attitude. These shared views and values guide our interactions with each other, our customers and our communities. It’s the foundation of our culture and makes PREMIER a great place to work. Learn More PREMIER Benefits PREMIER employees who work 20+ hours per week are eligible for full-time benefits, including medical coverage with free vision and dental insurance. We offer expanded Paid Time Off and a highly competitive 401(k) plan that features a dollar-for-dollar company match after 120 days of employment. Employees can experience personal and professional growth through PREMIER University. It offers skill-based training, leadership classes and inspirational national speakers. PREMIER Wellness PREMIER Wellness unifies physical and mental health, financial wellness and community giving under one program designed to help employees find optimal work/life wellbeing. Through our Employee Assistance Program, employees have access to free counseling sessions, online resources and legal support. Community Giving offers our employees purpose-driven, meaningful opportunities where they know they are making a difference. Celebrating Success Recognizing and rewarding success is an important part of the PREMIER culture. We celebrate and show our appreciation with private concerts and special events. We’ve also celebrated with surprise gifts, cash/car giveaways, Apple watches, wireless earbuds and more! At quarterly staff meetings, employees who have gone above and beyond in their job or in their community are awarded a PREMIER Performer or PREMIER Eagle Service Award. Employees celebrating 20, 25, 30, 35, 40, 45 and 50 year Milestone Anniversaries receive $1,000 for every year they have worked with PREMIER.

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