New

Analyst l, Credit Analyst- Fort Collins, CO

First National Bank of Omaha
vision insurance, tuition assistance, 401(k)
United States, Colorado, Fort Collins
Aug 01, 2025
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: 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! The location category for this role may vary based on business needs, and has not yet been determined. Please contact TAGAdmin@fnni.com to obtain applicable details from our Talent Acquisition team. To ensure you receive a response, include the following number for this job in the subject line of your message. Job number: R-20250924 Summary of the Job: The Credit Analyst I is responsible for performing financial analysis pertaining to commercial, agricultural, and real estate lending customers by evaluating borrower creditworthiness and repayment capacity. This position independently conducts thorough underwriting functions in accordance with Bank policies, procedures, and all applicable laws and regulations, The analyst ensures loan/underwriting documentation is complete and accurate while recommending appropriate risk ratings and properly identifying policy and underwriting exceptions. 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 lender's 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 Bachelor's 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 Owner's 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): $46,679.00-$77,020.00 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: https://www.fnbo.com/careers/benefits/. For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message. Job number: R-20250924 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 selves-no 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. 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.