Analyst II, Credit Analysis (Omaha, Ft. Collins, Minneapolis)

Credit Analyst II

At FNBO, our employees are the heart of our storyand we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.

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 include :

• 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.
• 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.
• Perform collateral analysis including margin, loan-to-value calculations, borrowing base analysis and real estate analysis.
• Assist lenders with ongoing monitoring of borrowing base certificates and help lenders with remediation plans for borrowers that are outside required margins.
• Research credit requests including related commitments, background on borrowing entities, analyzing industry risks.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix.
• 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.
• 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.
• Exhibit professional behavior and promote positive working relationships.
• Maintain complete and accurate file documentation.

The ideal candidate for this role will have :

Compensation range (base pay) : $62,047.00-$102,377.00. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and / or skill level.

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week.

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs :

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.