Analyst I, Commercial Credit Analysis (hybrid, Omaha NE)

Perform independent credit analysis of commercial loan requests (C&I). Complete financial analysis and evaluation of credit worthiness; 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.

• Conduct complete credit underwriting including:
• Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• 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/loan-to-value 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
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Become proficient in all operations and procedures of the lending department and related computer systems including the bank’s mainframe system, nCino, and other applicable platforms and systems.
• 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.
• 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.

• Bachelor’s 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

• 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

Candidates must possess unrestricted work authorization and not require future sponsorship.
Compensation range (base pay): $47,613.00-$78,560.00 It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business 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

Job number: R-20260565