Analyst I, Credit Analysis

FNBO; Omaha (NE); Hybrid; USD 48,000 - 79,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with Matching

Time Off Programs

HSA/Dependent Care

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO in Omaha is seeking an underwriter to perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis, risk assessment, and loan memorandums.

The role requires compliance with bank policies and laws, a hybrid work arrangement (3 days in office, 2 remote), and opportunities for growth with a comprehensive benefits package.

Qualifications

• Bachelor's degree or equivalent work experience in finance or related field.
• Ability to multi-task and meet deadlines.
• Excellent written and verbal communication.
• Knowledge of FCRA, CRA, HMDA, BSA and related regulations.

Responsibilities

• Underwrite Commercial Credit Card applications and perform financial analysis.
• Prepare loan memorandums and risk rating matrices.
• Maintain compliance with policies and laws; ensure timely documentation.
• Provide exceptional customer experience to internal and external customers.
• Perform all underwriting functions per bank policies.

Skills

Multi-tasking

Communication skills

Compliance regulations knowledge

Education

Bachelor's degree in Finance/Accounting/Business

Tools

Optimist

First Impressions

TBS

First Work

Job description

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

Perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis; Decision large Commercial Card applications using established and sound credit practices and in accordance with applicable policies, laws and regulations; Prepare loan memorandums, risk rating matrices, and financial analysis; Provide an exceptional customer experience to internal and external customers.

About This Role

• Perform all underwriting functions in accordance with established policies, laws, and regulations
• Ensure credit analysis, loan memorandums, and related documentation are completed accurately and timely
• Provide an exceptional customer experience to internal and external customers
• Understand and comply with bank policies and applicable laws and regulations including the Bank's BSA/AML program
• Exhibit professional behavior, promote positive working relationships, and maintain regular and predictable attendance

The Ideal Candidate For This Role

• Bachelor's degree (Finance, Accounting, Business, or related) or equivalent work experience
• Ability to multi-task while adhering to timetables for completion
• Excellent written and verbal communication skills
• Working knowledge of applicable compliance regulations including (but not limited to) FCRA, CRA, HMDA, and BSA

Additional Qualifications

• One year credit underwriting or related experience, preferably in Commercial Lending
• Preferably, a working knowledge of Microsoft Office suite of products
• Preferably, a working knowledge of Optimist, First Impressions, TBS and First Work

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation

Compensation range (base pay): $47,613.00-$78,560.00

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:

• 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

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at [e-mail]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261836

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 selves- no matter their role or where they are in their journey.

Learn more here.

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

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana

(this applies to all non-California applicants)

Application Deadline

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.