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Associate I, Credit Analysis (Hybrid) Onsite + Remote

Posted: 10/23/2022

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:

 

At First National, 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 First National. 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 remotely 100% of the time and will share a hoteling workspace if/when working onsite, as determined by business needs. The incumbent can work remotely from anywhere in FNBO’s 8 state footprint.

 

Summary of the Job:

 

Analyze credit information pertaining to commercial and agricultural lending customers by investigating all available sources of credit and financial information in accordance with FNNI policies/guidelines and all applicable Federal regulations. Support the lending process by spreading financial statements and by completing cash flow and global cash flow analysis.

 

About This Role:

 

This position can be located in these locations below. This position would require onsite training 2 days a week and then remote work though available to come in when needed a few times a month.

 

 Job Duties and Responsibilities:

This position can be located in any one of the following markets: DeKalb, IL Mitchell, SD; Yankton, SD; Columbus, NE; Fremont NE; Norfolk, NE; Grand Island, NE; Kearney, NE .

 

ESSENTIAL DUTIES/RESPONSIBILITIES:

  • Ensure compliance with loan policy and compliance standards.  Complete all assigned compliance training and adhere to internal procedures and controls, as required.  Report any known violations of compliance policy, laws, or regulations, 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..
  • Conduct complete credit analysis including:  financial, cash flow, borrowing base, and collateral analysis.  Become proficient at using information from income tax returns, audited and/or unaudited financial statements, and company prepared financials.  Pull and analyze data from credit bureau reports.
  • Spread financial statements and compile financial statement information into comparative formats.  Provide information as necessary for the lender’s review.
  • Perform industry comparisons of credit information.
  • Provides information that allows lenders to assess risk and structure loans to ensure best interests of the bank.
  • Assist lenders in the preparation of loan memorandums, including analytical/technical writing.
  • Review Participation Credit information from affiliates and as directed by the Senior Manager or the lenders to assist in preparing loan analysis summary information. 
  • Provides 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.
  • Process requests in a timely manner to ensure desired service levels and compliance requirements are met.  Ensures adherence to specific Service Level Agreements either through compliance issues or internal customers.
  • 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.
  • May perform specific credit risk or credit analysis duties on individual credits or the bank’s loan portfolio as directed by the Senior Manager. 

 

The Ideal Candidate for This Role:

 

 

Education and/or Experience

 

Minimum of Bachelor’s degree in Accounting, Business, Finance or related field or equivalent experience.  Direct lending or underwriting experience or significant experience with credit analysis.  Banking assistant experience with demonstrated knowledge of financial statements.  Experience with and demonstrated understanding of lending policies, procedures, practices and documentation including cash flow and collateral analysis.

 

Experience in banking, commercial credit analysis and underwriting.

 

Excellent oral and written communication skills with the ability to edit written work for spelling and grammar.  Ability to present and interpret numerical data effectively.  Ability to respond to inquiries from customers, lenders, or market presidents.  Ability to effectively present information to top management and credit administration staff.

 

Ability to read, analyze and interpret financial ratios, tax returns and legal documents.  Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, percentages, and decimals.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

 

Ability to define problems, collect data, establish facts, and draw valid conclusions.  Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables. Display independent decision making and problem resolution skills.

 

Other Knowledge and Skills

  • Proficient in PC operation and demonstrated understanding of applicable lending software including Microsoft Office Applications and Outlook. 
  • 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. 
  • Must be organized and detail oriented.

 

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • The employee frequently is required to sit; use hands to finger, handle, or feel; and reach with hands and arms.
  • The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl.
  • The employee must occasionally lift and/or move up to 15 pounds. 
  • The employee may be required to travel to perform customer calls with lender.

 

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.

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