Analyst II, Commercial Credit Analysis

First National Bank of Omaha•Kansas City, MO

14h•Hybrid

About The Position

The Credit Analyst II performs independent credit analysis of commercial loan requests across C&I, Agribusiness, CRE, and Specialty verticals. The role evaluates creditworthiness through complex financial, cash-flow, guarantor, and collateral analysis; prepares loan memorandums and risk-rating materials; and develops and maintains knowledge of loan products, procedures, and relevant industries. The analyst works with Relationship Managers, Credit Approvers, subject-matter experts, staff, and other parties to support the credit process and provide strong internal and external customer service. The position is anticipated to work in a hybrid capacity, with in-person collaboration three days per week and remote flexibility two days per week. Work location may change based on business needs. The role also assists with training and mentoring less-experienced analysts and completes special projects as assigned.

Requirements

Previous commercial credit analysis experience.
Bachelor’s degree in Accounting, Finance, Economics, or a related field, or equivalent work experience.
One to three years of experience in commercial credit analysis.
Strong understanding of financial statements, lending policies, procedures, practices, and documentation, including cash-flow and collateral analysis.
Strong analytical and critical-thinking skills.
Ability to adapt and manage multiple deadlines.
Demonstrated accuracy and thoroughness, with the ability to monitor own work for quality.
Ability to manage competing demands in a changing environment while working independently most of the time.
Ability to follow instructions, respond to management direction, and solicit feedback to improve performance.
Proficiency in PC operation and demonstrated understanding of Microsoft Office applications and Outlook.
Unrestricted work authorization without a need for future sponsorship.

Responsibilities

Independently underwrite commercial credit requests, including new requests, renewals, and annual reviews, and prepare credit presentation packets and memorandums.
Spread and analyze financial information for borrowers, guarantors, and related entities, including CPA-prepared statements, tax returns, and internal financial statements.
Analyze guarantors using credit bureau reports, personal financial statements, and tax returns; assess personal guarantor cash flow and global cash flow, including known contingent liabilities.
Perform collateral analysis, including margin and loan-to-value calculations.
Assign appropriate credit risk ratings using the FNNI risk-rating matrix and document supporting rationale.
Process requests promptly to meet service-level and compliance requirements.
Research credit requests, related commitments, borrowing entities, and industry risks.
Conduct sensitivity analyses using relevant industry and economic variables and assumptions.
Use related FNNI computer systems, including nCino, Optimist 8, and Foundation.
Discuss credits in depth with Relationship Managers, Credit Approvers, and subject-matter experts and make recommendations based on borrower risk.
Ensure compliance with loan policy and standards, including the Bank’s BSA/AML program; complete assigned compliance training and follow internal procedures and controls.
Report known compliance-policy, legal, or regulatory violations and suspicious customer or account activity.
Provide customer service to staff, internal customers, and related parties in support of the credit process.
Assist with training and mentoring new and less-experienced analysts.
Maintain professional behavior, positive working relationships, and regular, predictable attendance in accordance with departmental or divisional policy.
Maintain complete and accurate file documentation.
Complete special projects and tasks as assigned by the manager.