Analyst I, Commercial Credit Analysis (hybrid, Omaha NE)

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

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