Credit Analysis Manager

Summary of the Job

The Credit Analysis Manager leads and develops a high-performing team of Credit Analysts within the Banking Division, driving excellence in credit underwriting across the commercial portfolio. This role is accountable for the quality, consistency, and timeliness of loan approval packages and internal credit reviews, ensuring full alignment with FNBO's credit culture, policies, and risk management standards. This manager leverages strong commercial credit and underwriting knowledge to guide and support analysts while fostering a culture of continuous development and operational excellence.

• Lead, mentor, and develop Credit Analysts across all experience levels, building individual capability and overall team effectiveness
• Drive a culture of accountability, professional growth, and high performance
• Set clear performance expectations and provide ongoing coaching and feedback
• Oversee credit analysis and underwriting for commercial, agricultural, and CRE transactions
• Review and validate credit analysis work to ensure accuracy, quality, and consistency with FNBO credit standards
• Manage team workflow to deliver timely, well-supported credit recommendations
• Maintain comprehensive, current knowledge of credit policies and risk assessment standards
• Assist with development and lead implementation of departmental goals, standards, and performance benchmarks
• Design, adapt, and implement procedures that enforce commercial credit process improvements and drive operational efficiency
• Build and maintain strong relationships with leadership across Credit Risk Administration, the Business Lending Segment, and other related divisions.
• Serve as a collaborative partner in supporting lending objectives and aligning credit analysis capabilities with business needs
• Ensure team adherence to bank policies, laws, regulations, and FNBO's BSA/AML Program
• Maintain a strong compliance posture across all underwriting activities; report known or suspected violations and suspicious activity as required

• Proven leadership and team development capabilities, including confidence to address underperformance and ability to identify and develop top talent
• Set clear expectations and follows through consistently
• Willingness to challenge existing processes and propose improvements
• Skilled at building cross-functional relationships and navigating differences of opinion with professionalism and credibility
• Excellent verbal and written communication skills, with ability to communicate effectively with varying levels of leadership
• Strong analytical abilities and financial accounting and credit analysis acumen
• Thorough knowledge of commercial lending concepts, practices, documentation, and industry regulations
• Highly organized with the ability to manage multiple priorities in a dynamic environment
• Proficient in Microsoft Office Suite (Excel, Word, PowerPoint)
• Travel required approximately 20% of the time to Kansas City market

• Education
• Bachelor’s degree in Business, Finance, or a related field
• Experience
• Demonstrated leadership or management experience
• 5+ years of experience in commercial and/or consumer credit analysis, with demonstrated progression in responsibility
• Prior experience in community or regional banking
• Familiarity with loan origination and credit spreading platforms
• Track record of working across business lines to support lending goals
• Preferred MBA preferred #IND
  123 Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation range (base pay): $83,355.00-$ 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 anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while…