Hybrid Small Business Credit Analyst | Underwrite

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); Hybrid; USD 48,000 - 79,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401k with Matching

Time Off Programs

HSA/Dependent Care

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO in Omaha seeks a Small Business Credit Analyst to perform independent credit analysis of small business loan requests (CRE, C&I, and Agribusiness) and to prepare loan memos, risk rating matrices, and financial analyses. You will spread and analyze financial information, conduct guarantor analysis, assess collateral, and determine risk ratings while ensuring compliance with policies and BSA/AML.

The role offers a hybrid work arrangement with benefits.

Qualifications

• Bachelor’s degree or equivalent work experience.
• Understanding of financial statements, lending policies and collateral analysis.
• Ability to adapt and manage multiple deadlines.
• Credit analysis experience preferred.

Responsibilities

• Prepare accurate loan presentation packets (credit memos) for new requests, renewals and annual reviews.
• Spread and analyze financial information from CPA statements, tax returns and internal statements.
• Conduct guarantor analysis including credit bureau reports and tax returns.
• Analyze cash flow and provide global cash flow analysis including contingent liabilities.
• Perform collateral analysis and loan-to-value calculations.
• Determine risk ratings using the lending matrix and required verbiage.

Skills

Credit analysis

Financial statement analysis

Manage deadlines

Customer service

Education

Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or related field

Tools

Microsoft Office

Outlook

Job description

FNBO in Omaha seeks a Small Business Credit Analyst to perform independent credit analysis of small business loan requests (CRE, C&I, and Agribusiness) and to prepare loan memos, risk rating matrices, and financial analyses. You will spread and analyze financial information, conduct guarantor analysis, assess collateral, and determine risk ratings while ensuring compliance with policies and BSA/AML.

The role offers a hybrid work arrangement with benefits.