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

First National Bank of Omaha•Omaha, NE

8d•$47,613 - $78,560•Hybrid

About The Position

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary of the Job: Perform independent credit analysis of commercial loan requests (C&I). Complete financial analysis and evaluation of credit worthiness; Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis; Develop and maintain a thorough understanding of loan products and procedures; Interact with and provide an exceptional customer experience to internal and external customers. About This Role: ESSENTIAL DUTIES/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.

Requirements

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.

Nice To Haves

Experience in credit analysis is preferred

Responsibilities

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.