FNBO is committed to the success of its employees and is seeking an Analyst I for Commercial Credit Analysis. The role involves performing independent credit analysis of commercial loan requests and ensuring compliance with lending policies while providing exceptional customer service.
Responsibilities
- Conduct complete credit underwriting including: Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews
- Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities
- Conduct the appropriate level of guarantor analysis to include: credit bureau reports, personal financial statements and tax returns
- Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities
- Perform collateral analysis including margin/loan-to-value calculation
- Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating
- Process requests in a timely manner to ensure desired service levels and compliance requirements are met
- Research credit requests including related commitments, background on borrowing entities, analyze industry risks
- Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions
- Become proficient in all operations and procedures of the lending department and related computer systems including the bank’s mainframe system, nCino, and other applicable platforms and systems
- Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program
- Complete all assigned compliance training and adhere to internal procedures and controls, as required
- Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity
- Provide exceptional customer service to staff, customers, and other related parties in support of the credit process
- Work with internal and/or external customers to answer any questions and supply additional support needed to complete underwriting of loan applications
- Exhibit professional behavior and promote positive working relationships
- Maintain regular and predictable attendance in alignment with departmental/divisional policy
- Maintain complete and accurate file documentation
Skills
- Bachelor's degree in Accounting, Business Administration, Finance, Economics, or related field or equivalent work experience
- General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
- Ability to adapt and manage multiple deadlines is required
- Strong analytical skills and detail oriented
- Demonstrate accuracy and thoroughness and monitor own work to ensure quality
- Manage competing demands in a changing environment while working independently most of the time
- Follow instructions, respond to management direction, and solicit feedback to improve performance
- Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook
- Candidates must possess unrestricted work authorization and not require future sponsorship
- Experience in credit analysis is preferred
Benefits
- Medical, Dental, Vision Insurance
- 401k, With Matching Contributions
- Time Off Programs
- Health Savings Account (HSA)/Dependent Care
- Employee Banking
- Growth Opportunities
- Tuition Assistance
- Short-Term/Long-Term Disability Insurance
Company Overview
- FNBO is a financial organization that offers digital banking and accounting service and products for business and personal commercial needs. It was founded in 1857, and is headquartered in Omaha, Nebraska, USA, with a workforce of 1001-5000 employees. Its website is https://www.fnbo.com.