Job Description
Are you a detail-oriented financial professional looking for a challenging opportunity in a stable and growing industry? First National Bank of Omaha is currently seeking a highly skilled Credit Analyst to join our dynamic team in Lincoln, NE. In this pivotal role, you will be responsible for evaluating credit applications, analyzing financial data, and mitigating risk to support our lending portfolio. If you have a strong background in finance and a passion for accuracy, we want to hear from you.
As a Credit Analyst, you will play a critical role in our decision-making process, ensuring that our lending practices align with both corporate strategy and regulatory standards. You will work closely with loan officers and underwriters to provide comprehensive credit analyses that drive sustainable growth. Join a company that values integrity, innovation, and community impact.
Responsibilities
- Perform in-depth analysis of financial statements, tax returns, and credit reports for individual and commercial borrowers.
- Prepare comprehensive credit memos and presentations for the loan committee, highlighting key risks and mitigation strategies.
- Monitor and manage existing loan portfolios to identify early signs of credit deterioration.
- Utilize financial modeling and Excel to forecast borrower cash flows and repayment capabilities.
- Collaborate with loan officers and underwriters to resolve complex credit issues and structure appropriate lending solutions.
- Stay abreast of industry trends, economic indicators, and regulatory changes affecting the lending environment.
- Assist in the development and maintenance of credit policy and procedural guidelines.
Qualifications
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required; MBA or CPA preferred.
- Minimum of 2-3 years of experience in credit analysis, commercial lending, or a related financial role.
- Strong proficiency in Microsoft Excel (including pivot tables, VLOOKUP, and macros) and financial modeling software.
- Excellent analytical skills with the ability to interpret complex financial data and make sound judgments.
- Strong written and verbal communication skills, with the ability to present findings clearly to non-technical stakeholders.
- Detail-oriented with a high level of accuracy and a strong work ethic.
- Familiarity with banking regulations (e.g., CRA, Dodd-Frank) and compliance standards is a plus.