Live Chat Contact
June 30, 2023
Grade 6
Location: Brookings, SD or Sioux Falls, SD or Edina, MN or Roseville, MN or Ankeny, IA

Overall Functions

This person reviews loans in accordance with the bank's Loan Policy and Guidelines. This person analyzes SBA credits and other commercial credits as assigned. This person also makes recommendations on how to minimize the bank's exposure and ensure that lending practices conform to established policy and the SBAs SOPs.


This person should have a bachelor’s degree and a minimum of five years of experience in the bank lending and credit area or the equivalent. This person should have good credit judgement and show an aptitude toward detail and adherence to Loan Policy and Guidelines. This person should have a understanding of SBA SOPs and the SBA loan process.


1. Analyze and risk rate SBA credit requests and critique the credit classifications assigned by the Loan Officers. The analysis must be consistent with the findings of the appropriate regulatory agencies.

2. Review loan files to ensure they qualify within the structure, documentation, and credit quality standards of the bank's Loan Policy and Guidelines. Complete servicing actions in accordance with SBA guidelines.

3. Present loan files or credit lines not meeting the standards of the bank's Loan Policy and Guidelines to the SVP of Credit Administration with a detailed explanation of the credit exceptions and the recommended action necessary to correct the deficiencies and improve the bank's position.

4. Communicate directly with the Loan Officers in the event of minor technical documentation discrepancies or identified potential credit weakness. Request correction of the discrepancies and recommend alternatives for improving the credit lines. Perform follow-up action as necessary until corrected.

5. Perform reviews of loan files, test loan underwriting, complete board reports, complete construction inspections, and perform other credit related projects for affiliates as assigned.

6. Attend loan department and other committee meetings as requested by management to participate in decisions that affect ongoing and future operations of the loan department.

7. Work in conjunction with the SVP of Credit Administration and SBA Lending Manager to assist management in maintaining and updating the bank's Loan Policy and Guidelines according to established procedures.

8. Act in accordance with FBT policies and procedures as set forth in the employee handbook.

9. Adhere to compliance procedures and participate in required compliance.

First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email