Analyst I, 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.

Our Modern, Flexible Workplace:

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.

Summary of the Job:

Perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis and evaluation of credit worthiness; Decision 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.

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

About This Role:

Key Accountabilities:

• Conduct complete credit underwriting including:

  Prepare 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 Research.com, 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.

Basic Qualifications:

1. Bachelor's degree in Accounting, Finance, Economics, Business Administration, or equivalent work experience

2. Ability to multi-task while adhering to timetables for completion

3. Excellent written and verbal communication skills

4. Working knowledge of applicable compliance regulations including (but not limited to) FCRA, CRA, HMDA, and BSA

5. General understanding of financial statements, lending policies and procedures, and cash flow analysis

Additional Qualifications:

1. Preferably, one year credit underwriting or related experience, preferably in Commercial Lending

2. Preferably, a working knowledge of Microsoft Office suite of products

3. Preferably, a working knowledge of Optimist, First Impressions, TBS, First Work and Salesforce

The Ideal Candidate for This Role:

The ideal candidate will have a bachelor's degree in Accounting or related field and have some prior credit analysis experience. The individual will have a demonstrated ability to multi-task, be well-organized and detail oriented. The individual will also have strong communication skills and a focus on positive customer experiences.

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

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

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.