Small Business Credit Analyst

First National Bank; 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

Health Savings Account (HSA)

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

First National Bank is seeking a Small Business Credit Analyst to perform independent credit analysis of small business loan requests across CRE, C&I, and Agribusiness. You will evaluate financial statements, cash flow, and collateral, and prepare loan memos and risk ratings.

The role includes underwriting, compliance with policies, and delivering excellent customer service. You will work in a hybrid environment balancing in-person collaboration three days a week with remote flexibility two days

Qualifications

• Bachelor’s degree or equivalent work experience in a related field.
• Strong understanding of financial statements, lending policies, procedures, and documentation including cash flow and collateral analysis.
• Ability to manage multiple deadlines in a fast-paced environment.

Responsibilities

• Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information for borrowers, guarantors and related entities.
• Conduct guarantor analysis including credit bureau reports, personal financial statements, and tax returns; analyze cash flow.
• Perform collateral analysis including margin/loan-to-value calculations.
• Determine risk rating for credits using the bank's risk rating matrix and support with appropriate verbiage.
• Ensure compliance with loan policy and BSA/AML program; complete required compliance training.
• Provide exceptional customer service to staff, customers, and related parties; assist with underwriting questions.
• Maintain complete and accurate file documentation.

Skills

Financial analysis

Credit analysis

Analytical skills

Underwriting

Microsoft Office

nCino

Education

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

Tools

Mainframe system

Microsoft Office

Outlook

nCino

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:

The Small Business Credit Analyst will perform independent credit analysis of small business loan requests (CRE, C&I, and Agribusiness). The analyst also will complete financial analysis and evaluation of credit worthiness. The role will decision business credit applications using sound lending practices and in accordance with all applicable policies, laws and regulations and prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis. The incumbent will develop and maintain a thorough understanding of loan products and procedures and interact with and provide an exceptional customer experience to internal and external customers.

About This Role:

Conduct complete credit underwriting including:

• Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Utilize abbreviated underwriting strategies on qualifying requests.
• Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis to include: credit bureau reports, personal financial statements and tax returns. Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• Research credit requests including related commitments, background on borrowing entities, analyze industry risks

Approve loan requests within individual designated lending authority.

Become proficient in all operations and procedures of the lending department and related computer systems including the bank’s mainframe system, nCino, and Credit Assessment.

Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program. 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.

Provide exceptional customer service to staff, customers, and other related parties in support of the credit process. Work with internal and/or external customers to answer any questions and supply additional support needed to complete underwriting of loan applications.

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:

Required:

• Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or related field or equivalent work experience
• General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis
• Ability to adapt and manage multiple deadlines is required
• Experience in credit analysis is preferred

Other Knowledge and Skills:

• Strong analytical skills and detail oriented
• Demonstrate accuracy and thoroughness and monitor own work to ensure quality
• Manage competing demands in a changing environment while working independently most of the time
• Follow instructions, respond to management direction, and solicit feedback to improve performance
• Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook

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].

Job number: R-20261562

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.