Analyst II, Credit Analysis

FNBO

Credit Analyst II conducting detailed financial and collateral analysis for commercial loans at FNBO. Supporting loan policy compliance and fostering exceptional customer service during the screening process.

Posted 7/1/2026full-timeKansas City • Kansas, Montana, New York • 🇺🇸 United StatesJunior💰 $47,613 - $78,560 per yearWebsite

About the role

Key responsibilities & impact

Conduct complete credit underwriting including: Independent preparation of 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.
Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).

Requirements

What you’ll need

Previous commercial credit analysis experience
Bachelor’s degree in Accounting, Finance, Economics, or related field or equivalent work experience
Strong 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
1-3 years experience in commercial credit analysis
Candidates must possess unrestricted work authorization and not require future sponsorship.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit UnderwritingFinancial AnalysisCash Flow AnalysisGuarantor AnalysisSensitivity AnalysisLoan Presentation PreparationMargin CalculationLoan-to-Value CalculationRisk Rating Matrix ApplicationDocumentation Review

Soft Skills

Deadline ManagementAdaptability