Analyst II, Credit Analysis (Omaha, Fort Collins, Minneapolis or Kansas City)

First National Bank•Kansas City, MO

2d•$62,047 - $102,377•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: The Credit Analyst II is responsible for performing financial analysis pertaining to commercial, agricultural, and real estate lending customers by evaluating borrower creditworthiness and repayment capacity. This position independently conducts thorough underwriting functions in accordance with Bank policies, procedures, and all applicable laws and regulations, The analyst ensures loan/underwriting documentation is complete and accurate while recommending appropriate risk ratings and properly identifying policy and underwriting exceptions. About This Role: ESSENTIAL DUTIES/RESPONSIBILITIES: Critically and independently analyze moderately complex credit requests for the Lending Staff with primary focus on financial, collateral, business and industry analysis with little guidance and/or direction from Management and the Lending Staff. Complexity is based upon relationship size, risk, structure, and aggregate debt. Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy. 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. Conduct extensive credit analysis including: Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews. Spread and analyze financial information for borrowers, related entities, and guarantors, providing information as necessary for the lender’s review. Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc). Perform collateral analysis including margin, loan-to-value calculations, borrowing base analysis and real estate analysis (via the FNNI Property Analysis Form). Assist lenders with ongoing monitoring of borrowing base certificates and help lenders with remediation plans for borrowers that are outside required margins. Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement. Research credit requests including related commitments, background on borrowing entities, analyzing industry risks (via IBIS, RMA, Dunn & Bradstreet reports, online research, trade periodicals, etc.). Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating. Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions. May assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert). Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower. Participate in customer visits and/or calls with the Relationship Managers as needed. Process requests efficiently while meeting service level agreements and compliance standards, exercising sound judgment and discretion when completing assigned projects. 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

Minimum of Bachelor’s degree in Accounting, Business, Finance or related field or equivalent experience.
A minimum of two or more years’ experience in direct lending, underwriting, or credit analysis, with demonstrated ability to read and interpret financial statements to include: Tax returns (both individual and business); Balance Sheet; Income Statement; Cash Flow schedules; Statement of Owner’s Equity.
Experience with and strong understanding of lending policies, procedures, practices and documentation including cash flow and collateral analysis.
Demonstrated ability to read and interpret financial statements
Strong organizational and analytical skills and the ability to manage multiple deadlines
Excellent written and oral communication skills, including strong presentation skills
Independent decision making and problem resolution skills
Working knowledge of Microsoft Office suite of applications, nCino
Candidates must possess unrestricted work authorization and not require future sponsorship.

Responsibilities

Critically and independently analyze moderately complex credit requests for the Lending Staff with primary focus on financial, collateral, business and industry analysis with little guidance and/or direction from Management and the Lending Staff. Complexity is based upon relationship size, risk, structure, and aggregate debt.
Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy.
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.
Conduct extensive credit analysis including: Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
Spread and analyze financial information for borrowers, related entities, and guarantors, providing information as necessary for the lender’s review.
Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
Perform collateral analysis including margin, loan-to-value calculations, borrowing base analysis and real estate analysis (via the FNNI Property Analysis Form).
Assist lenders with ongoing monitoring of borrowing base certificates and help lenders with remediation plans for borrowers that are outside required margins.
Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement.
Research credit requests including related commitments, background on borrowing entities, analyzing industry risks (via IBIS, RMA, Dunn & Bradstreet reports, online research, trade periodicals, etc.).
Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating.
Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
May assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert).
Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.
Participate in customer visits and/or calls with the Relationship Managers as needed.
Process requests efficiently while meeting service level agreements and compliance standards, exercising sound judgment and discretion when completing assigned projects.
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.