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.

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.

The Ideal Candidate for This Role :

Education and / or Experience Required :

Other Knowledge and Skills :

Compensation :

Compensation range (base pay) : $62,047.00-$102,377.00 _This role may have a specific starting pay within this range._ Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and / or skill level.

Work Environment :

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. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview :

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 :

Equal Opportunity & Belonging :

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selvesno matter their role or where they are in their journey.