Analyst I Small Business Credit Analysis

At FNBO our employees are the heart of our storyand were committed to their success! Please see below the details of this career opportunity and how it fits into our organizations 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 independent credit analysis of small business loan requests (CRE C&I and Agribusiness). Complete financial analysis and evaluation of credit worthiness; Decision 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.

About This Role:

• 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/loantovalue 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 banks mainframe system nCino and Credit Assessment.
• Ensure compliance with loan policy and compliance standards including the Banks 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

Required:

• Bachelors 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

Other Knowledge and Skills

• 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:

Compensation range (base pay): $46679.00$77020.00

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.

Benefits Overview:

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and worklife balance we offer benefits to match your needs:

• Medical Dental Vision Insurance

• 401k With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• ShortTerm/LongTerm Disability Insurance

Learn more about FNBO benefits here: additional information regarding compensation and benefits email FNBO at . To ensure you receive a response include the number of this job (listed below) in the subject line of your message.

Job number: R

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued recognized and empowered to be their authentic selvesno matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer Member FDIC

FNBO follows federal law regarding the use of (this applies to all nonCalifornia applicants)

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.