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:
About This Role:
Critically and independently analyze moderately complex credit requests for the Lending Staff with primary focus on financial, collateral, business and industry analysis with little guidance and/or direction from Management and the Lending Staff. Complexity is based upon relationship size, risk, structure, and aggregate debt.
Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy. 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.
Conduct extensive credit analysis including:
Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
Spread and analyze financial information for borrowers, related entities, and guarantors, providing information as necessary for the lender’s review.
Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
Perform collateral analysis including margin, loan-to-value calculations, borrowing base analysis and real estate analysis (via the FNNI Property Analysis Form). Assist lenders with ongoing monitoring of borrowing base certificates and help lenders with remediation plans for borrowers that are outside required margins.
Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement.
Research credit requests including related commitments, background on borrowing entities, analyzing industry risks (via IBIS, RMA, Dunn & Bradstreet reports, online research, trade periodicals, etc.).
Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating.
Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
May assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert).
Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.
Participate in customer visits and/or calls with the Relationship Managers as needed.
Process requests efficiently while meeting service level agreements and compliance standards, exercising sound judgment and discretion when completing assigned projects.
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:
Education and/or Experience
Required:
Minimum of Bachelor’s degree in Accounting, Business, Finance or related field or equivalent experience.
A minimum of two or more years’ experience in direct lending, underwriting, or credit analysis, with demonstrated ability to read and interpret financial statements to include: Tax returns (both individual and business); Balance Sheet; Income Statement; Cash Flow schedules; Statement of Owner’s Equity.
Experience with and strong understanding of lending policies, procedures, practices and documentation including cash flow and collateral analysis.
Other Knowledge and Skills
Demonstrated ability to read and interpret financial statements
Strong organizational and analytical skills and the ability to manage multiple deadlines
Excellent written and oral communication skills, including strong presentation skills
Independent decision making and problem resolution skills
Working knowledge of Microsoft Office suite of applications, nCino
Compensation:
Compensation range (base pay): $62,047.00-$102,377.00
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 [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20251455Equal 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.
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
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.
Top Skills
What We Do
For more than 165 years, FNBO, a subsidiary of First National of Nebraska, has set the standard for outstanding customer service coupled with some of the most innovative financial products in the industry.
When it opened in 1857, FNBO was a local bank that served only Omaha and the surrounding communities. Today, FNBO has locations in eight states and more than 6.6 million customers across the country. First National of Nebraska and its affiliates have nearly $30 billion in managed assets and 5,000 employee associates.
We've come a long way in the last century and a half. As you browse through our site, we think you'll understand why we've been so successful – and why we're so excited about what the future holds for our customers and our organization.
Check us out at www.fnbo.com.
