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First National Bank GH · 2 months ago

Analyst II, Credit Analysis (Omaha, Fort Collins, Minneapolis or Kansas City)

Fort Collins, CO - Harmony Branch

Full-time

Hybrid

Entry, Mid Level

$62K/yr - $102K/yr

2+ years exp

First National Bank GH is committed to the success of its employees and is seeking a Credit Analyst II. This role involves performing financial analysis for commercial, agricultural, and real estate lending customers, ensuring compliance with bank policies, and conducting thorough underwriting functions.

BankingFinancial Services

No H1B

Responsibilities

Critically and independently analyze moderately complex 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

May assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert)

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

Qualification

Credit analysisFinancial statement interpretationLending policies knowledgeMicrosoft OfficeNCinoAnalytical skillsProblem resolutionOrganizational skillsCommunication skillsDecision making

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

Demonstrated ability to read and interpret financial statements

Strong organizational and analytical skills and the ability to manage multiple deadlines

Excellent written and oral communication skills, including strong presentation skills

Independent decision making and problem resolution skills

Working knowledge of Microsoft Office suite of applications, nCino

Candidates must possess unrestricted work authorization and not require future sponsorship

Benefits

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

Company

First National Bank GH

First National Bank Ghana received a universal banking license from the Bank of Ghana during the second half of 2015 with Richard Hudson as Chief Executive Officer.

Founded in 2017

Ridge, Volta, GHA

501-1000 employees