Analyst I, Underwriting

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Job description

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.

Perform credit analysis and underwriting on business credit applications, including 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.

ESSENTIAL DUTIES/RESPONSIBILITIES:

• Become proficient in all operations and procedures of the lending department and related computer systems including the bank's mainframe system, nCino, and Optimist 8.
• 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. 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 guarantor analysis to include: credit bureau reports, personal financial statements and tax returns. Utilize the FNNI PFS Spread - Cash Flow Analysis to 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, using 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.
• Approve loan requests within individual designated lending authority.
• 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.

QUALIFICATIONS and REQUIREMENTS:

Education and/or Experience

Required:

• Bachelor's degree in Accounting, Business Administration, Finance or related field or equivalent work experience
• Experience in direct lending or underwriting experience or significant experience with credit analysis
• General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis

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

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