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Associate I, Credit Analysis

FNBO Omaha, NE
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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.

Our Modern, Flexible Workplace:

 

At First National, we believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at First National. We invite you to consider what a Modern, Flexible Workplace can mean for you!

The location category for this role may vary based on business needs, and has not yet been determined. Please contact TAGAdmin@fnni.com to obtain applicable details from our Talent Acquisition team. To ensure you receive a response, include the following number for this job in the subject line of your message. Job number: R-20221213

About this Role:

 

Analyze credit information pertaining to commercial and agricultural lending customers by investigating all available sources of credit and financial information in accordance with FNNI policies/guidelines and all applicable Federal regulations. Support the lending process by spreading financial statements and by completing cash flow and global cash flow analysis.

ESSENTIAL DUTIES/RESPONSIBILITIES:

  • Ensure compliance with loan policy and compliance standards.  Complete all assigned compliance training and adhere to internal procedures and controls, as required.  Report any known violations of compliance policy, laws, or regulations, as well as suspicious customer and/or account activity.
  • Become proficient in all operations and procedures of the lending department and related computer systems including the bank's mainframe system..
  • Conduct complete credit analysis including:  financial, cash flow, borrowing base, and collateral analysis.  Become proficient at using information from income tax returns, audited and/or unaudited financial statements, and company prepared financials.  Pull and analyze data from credit bureau reports.
  • Spread financial statements and compile financial statement information into comparative formats.  Provide information as necessary for the lender's review.
  • Perform industry comparisons of credit information.
  • Provides information that allows lenders to assess risk and structure loans to ensure best interests of the bank.
  • Assist lenders in the preparation of loan memorandums, including analytical/technical writing.
  • Review Participation Credit information from affiliates and as directed by the Senior Manager or the lenders to assist in preparing loan analysis summary information. 
  • Provides exceptional customer service to staff, customers, and other related parties in support of the credit process.  Work with internal and/or external customers in order to answer any questions and supply additional support needed to complete underwriting of loan applications.
  • Process requests in a timely manner to ensure desired service levels and compliance requirements are met.  Ensures adherence to specific Service Level Agreements either through compliance issues or internal customers.
  • 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.
  • May perform specific credit risk or credit analysis duties on individual credits or the bank's loan portfolio as directed by the Senior Manager. 

* Job Duties and Responsibilities:

This position can be located in any one of the following markets: DeKalb, IL Mitchell, SD; Yankton, SD; Columbus, NE; Fremont NE; Norfolk, NE; Grand Island, NE; Kearney, NE .

QUALIFICATIONS and REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Required:

Minimum of Bachelor's degree in Accounting, Business, Finance or related field or equivalent experience.  Direct lending or underwriting experience or significant experience with credit analysis.  Banking assistant experience with demonstrated knowledge of financial statements.  Experience with and demonstrated understanding of lending policies, procedures, practices and documentation including cash flow and collateral analysis.

Language Skills

Excellent oral and written communication skills with the ability to edit written work for spelling and grammar.  Ability to present and interpret numerical data effectively.  Ability to respond to inquiries from customers, lenders, or market presidents.  Ability to effectively present information to top management and credit administration staff.

Mathematical Skills

Ability to read, analyze and interpret financial ratios, tax returns and legal documents.  Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, percentages, and decimals.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

Reasoning Ability

Ability to define problems, collect data, establish facts, and draw valid conclusions.  Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Display independent decision making and problem resolution skills.

Other Knowledge and Skills

  • Proficient in PC operation and demonstrated understanding of applicable lending software including Microsoft Office Applications and Outlook. 
  • 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. 
  • Must be organized and detail oriented.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms.
  • The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
  • The employee must occasionally lift and/or move up to 15 pounds. 
  • The employee may be required to travel to perform customer calls with lender.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

  • General office environment with occasional travel.
  • The noise level in the work environment is usually moderate.

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this,  we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact.  FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

Date Posted June 10, 2022
Date Closes August 9, 2022
Requisition R-20221213
Address 1601 Dodge Street Omaha, NE 68102
Located In Omaha, NE
Work At Omaha - FN Tower
SOC Category 00-0000.00

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