FNBO

Analyst I, Commercial Credit Analysis

FNBO

full-time

Posted on:

Location Type: Hybrid

Location: Omaha • New York • United States

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Salary

💰 $47,613 - $78,560 per year

About the role

  • 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.
  • 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 for borrowers, guarantors and related entities.
  • Conduct the appropriate level of guarantor analysis including: credit bureau reports, personal financial statements and tax returns.
  • Perform collateral analysis including margin/loan-to-value calculation.
  • Determine the appropriate risk rating for credits.
  • 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 and analyze industry risks.
  • Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
  • 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.
  • 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
  • Experience in credit analysis is preferred
  • 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.
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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisfinancial analysiscollateral analysisrisk ratingsensitivity analysisloan underwritingcash flow analysisfinancial statement analysisloan presentation preparationBSA/AML compliance
Soft Skills
analytical skillsdetail orientedtime managementadaptabilityaccuracythoroughnessindependenceresponsiveness to feedbackcustomer experiencecompeting demands management