Analyst l, Credit Analyst- Fort Collins, CO
Analyst l, Credit Analyst- Fort Collins, CO
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$ 46679 - 77020
1 Vacancy
Job Description
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.
Our Modern Flexible Workplace:
Summary of the Job:
About This Role:
- Critically and independently analyze credit requests for the Lending Staff with primary focus on financial collateral business and industry analysis with little guidance and/or direction from Management and the Lending Staff. Complexity is based upon relationship size risk structure and aggregate debt.
- Ensure compliance with loan policy and compliance standards including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy. 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.
- Conduct extensive credit analysis including:
- Independent preparation of loan presentation packets (credit memos) for new credit requests loan renewals and annual reviews.
- Spread and analyze financial information for borrowers related entities and guarantors providing information as necessary for the lenders review.
- Demonstrate strong working knowledge of all related FNNI computer systems (nCino Optimist 8 Foundation etc).
- Perform collateral analysis including margin loan-to-value calculations borrowing base analysis and real estate analysis (via the FNNI Property Analysis Form). Assist lenders with ongoing monitoring of borrowing base certificates and help lenders with remediation plans for borrowers that are outside required margins.
- Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement.
- Research credit requests including related commitments background on borrowing entities analyzing industry risks (via IBIS RMA Dunn & Bradstreet reports 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.
- Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.
- Participate in customer visits and/or calls with the Relationship Managers as needed.
- Process requests efficiently while meeting service level agreements and compliance standards exercising sound judgment and discretion when completing assigned projects.
- 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:
QUALIFICATIONS and REQUIREMENTS:
Education and/or Experience
Required:
- Minimum of Bachelors degree in Accounting Business Finance or related field or equivalent experience.
- A minimum of two or more years experience in direct lending underwriting or credit analysis with demonstrated ability to read and interpret financial statements to include: Tax returns (both individual and business); Balance Sheet; Income Statement; Cash Flow schedules; Statement of Owners Equity.
- Experience with and strong understanding of lending policies procedures practices and documentation including cash flow and collateral analysis.
Other Knowledge and Skills
- Strong computer skills and demonstrated understanding of applicable lending software including Microsoft Office Applications and Outlook.
- Demonstrate accuracy thoroughness and ability to 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.
- Excellent written and verbal communication skills.
- Detail-oriented with strong organizational capabilities.
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 work-life 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
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: additional information regarding compensation and benefits e-mail 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.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
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
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California 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.
Required Experience:
IC
Employment Type
Full-Time
