Analyst II, Credit Analysis; Fort Collins, Oak Branch

Overview

At FNBO, our employees are the heart of our story—and we’re committed to their success! This career opportunity provides details of the role and how it fits into our organization’s success.

Summary Of The Job

The Credit Analyst II is responsible for performing financial analysis pertaining to commercial, agricultural, and real estate lending customers by evaluating borrower creditworthiness and repayment capacity. This position independently conducts thorough underwriting functions in accordance with Bank policies, procedures, and all applicable laws and regulations. The analyst ensures loan/underwriting documentation is complete and accurate while recommending appropriate risk ratings and properly identifying policy and underwriting exceptions.

• 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 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 a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy. Complete all assigned compliance training and adhere to internal procedures and controls. Report any known violations of 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 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 remediation plans for borrowers outside required margins.
• Assist lenders with ongoing monitoring of loan covenants to ensure compliance with all covenants as specified in the loan agreement.
• Research credit requests including related commitments, background on borrowing entities, and analyze 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, with supporting verbiage.
• Perform sensitivity analysis on borrowers based on relevant 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:

• 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.

• Demonstrated ability to read and interpret financial statements
• Strong organizational…