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:
ESSENTIAL DUTIES/RESPONSIBILITIES:
Conduct complete credit underwriting including:
- Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
- 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
- Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
- Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
Demonstrate the ability to discuss credits in-depth with Relationship Managers and Credit Approvers and/or SMEs’ and make the appropriate recommendations based on risk of borrower.
- 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, internal customers, and other related parties in support of the credit process.
• Assist with training and mentoring new and less experienced analysts
• 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.
• Special projects/tasks as needed and/or assigned by manager
The Ideal Candidate for This Role:
Education and/or Experience
Required:
• Previous commercial credit analysis experience
• Bachelor’s degree in Accounting, Finance, Economics, or related field or equivalent work experience
• Strong 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
• 1-3 years experience in commercial credit analysis
Other Knowledge and Skills
• Strong analytical skills and critical thinking skills
• 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
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 [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-20260785Equal 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.
Skills Required
- Previous commercial credit analysis experience
- Bachelor's degree in Accounting, Finance, Economics, or related field or equivalent work experience
- 1-3 years experience in commercial credit analysis
- Strong understanding of financial statements, cash flow and collateral analysis, lending policies and documentation
- Demonstrate strong working knowledge of FNNI systems (nCino, Optimist 8, Foundation, etc.)
- Proficient in PC operation and Microsoft Office applications and Outlook
- Strong analytical skills and critical thinking
- Ability to manage competing deadlines and work independently
- Knowledge of and adherence to loan policy and BSA/AML compliance standards
- Unrestricted work authorization (no future sponsorship)
Fnbo Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fnbo and has not been reviewed or approved by Fnbo.
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Retirement Support — Retirement plans include a matching 401(k) with an additional company contribution and other savings programs such as pension, stock bonus, and profit sharing. These features are portrayed as a strong component of total rewards.
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Parental & Family Support — Family supports include paid caregiving time for birth or adoption and for serious family health needs, caregiver leave, new‑parent assistance, and childcare resources. These offerings are highlighted as helpful for employees balancing work and family.
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Leave & Time Off Breadth — Time away is described as generous, combining paid time off with a broad set of observed holidays. Volunteer time off further adds flexibility for personal and community needs.
Fnbo Insights
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.
