Hybrid Small Business Credit Analyst: Underwriting

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

Benefits offered by this job

Medical Insurance

401k with matching

Time Off Programs

Tuition Assistance

Disability Insurance

Job summary

FNBO is seeking a Small Business Credit Analyst to perform independent credit analysis of small business loan requests across CRE, C&I, and Agribusiness. The role involves financial analysis, evaluating credit worthiness, preparing loan memorandums, and supporting underwriting with accurate financial data.

The ideal candidate will have a Bachelor's degree in a related field, a solid understanding of financial statements, and experience in credit analysis.

Qualifications

• Bachelor’s degree or equivalent experience required.
• General understanding of financial statements, lending policies, procedures, and documentation.
• Ability to manage multiple deadlines and work independently.
• Credit analysis experience preferred.

Responsibilities

• Prepare accurate loan presentation packets for new credit requests, renewals and annual reviews.
• Spread and analyze financial information for borrowers and guarantors.
• Conduct guarantor analysis including credit bureau, financial statements and tax returns.
• Perform collateral analysis and loan-to-value calculations.
• Determine risk ratings using the relevant matrix and document supporting verbiage.
• Ensure compliance with loan policy and all regulations; complete required trainings.
• Provide exceptional customer service to internal and external customers involved in underwriting.

Education

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

Tools

nCino

Credit Assessment

Job description

FNBO is seeking a Small Business Credit Analyst to perform independent credit analysis of small business loan requests across CRE, C&I, and Agribusiness. The role involves financial analysis, evaluating credit worthiness, preparing loan memorandums, and supporting underwriting with accurate financial data.

The ideal candidate will have a Bachelor's degree in a related field, a solid understanding of financial statements, and experience in credit analysis.