Analyst , Credit Analysis

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.

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company.

We invite you to consider what a Modern, Flexible Workplace can mean for you! It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.

Perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis and evaluation of credit worthiness; decide large Commercial Card applications using established and sound credit practices and in accordance with applicable policies, laws and regulations; prepare loan memorandums, risk rating matrices, and financial analysis; develop and maintain a thorough understanding of commercial card products and procedures; provide an exceptional customer experience to internal and external customers.

8:00 AM to 5:00 PM;
Mon. through Fri.

• Conduct complete credit underwriting including preparing accurate and timely loan presentation packets (credit memos) for new credit requests, limit increases, loan renewals and annual reviews.
• Spread and analyze financial information (e.g. personal and business tax returns, internally prepared business financial statements, personal financial statements, personal and business credit reports) for borrowers, guarantors and related entities.
• Conduct the appropriate level of borrower and guarantor analysis to include credit bureau reports, personal financial statements and tax returns.
• Complete cash flow analysis as required on all borrowers and guarantors, inclusive of all known contingent liabilities.
• Research credit requests including related commitments, background on borrowing entities, analyze industry risks (via First , Dunn & Bradstreet reports, REIS, 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.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• 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.
• Become proficient in all operations and procedures of the lending department and related computer systems including the bank’s mainframe system, and use of ACAPS, TBS and Salesforce.
• Approve loan requests within individual designated lending authority.
• Provide exceptional customer service to staff, customers, and other related parties in support of the credit process. Work with internal and / or external customers in order 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.