Credit Analyst II - Hybrid with Growth

FNBO

Kansas City (MO)

Híbrido

USD 63.000 - 104.000

Jornada completa

hace 3 horas

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Ventajas ofrecidas por este puesto de trabajo

Medical Insurance

Dental Insurance

Vision Insurance

401k with match

Time Off

HSA

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Descripción de la vacante

FNBO is seeking a Credit Analyst II to perform independent credit analysis of commercial loan requests across C&I, Agribusiness, CRE and Specialty verticals. You will prepare loan memos, analyze financial statements, and assess collateral, risk ratings, and borrower cash flows.

The role emphasizes underwriting accuracy, compliance with BSA/AML, and delivering exceptional service to internal stakeholders. Hybrid work arrangement with some in-office days, and opportunities for professional growth

Formación

Independent preparation of loan memos for new credit requests, loan renewals and annual reviews.
Spread and analyze financial information (CPA statements, tax returns, internal financial statements).
Conduct guarantor analysis including credit bureau reports, personal financial statements and tax returns.
Perform collateral analysis including margin/loan-to-value calculation.
Determine risk ratings using the FNNI matrix with supporting verbiage.

Responsabilidades

Process credit requests promptly to meet service levels and compliance.
Research credit requests and analyze industry risks.
Perform sensitivity analyses based on industry and economic variables.
Demonstrate knowledge of FNNI systems (nCino, Optimist 8, Foundation).
Discuss credits with Relationship Managers and Credit Approvers to make informed recommendations.