Analyst , Underwriting; onsite Omaha, NE

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.

Perform independent credit analysis of small business loan requests (CRE, C&I, and Agribusiness). Complete financial analysis and evaluation of credit worthiness; decide business credit applications using sound lending practices and in accordance with all applicable policies, laws and regulations. Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis; develop and maintain a thorough understanding of loan products and procedures;

interact with and provide an exceptional customer experience to internal and external customers.

• 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:

Education and/or Experience

• 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

• 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

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.

It is…