Analyst I, Credit Analysis

Commercial Credit Card Analyst

At FNBO, our employees are the heart of our storyand 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! It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.

Summary of the Job :

Perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis; Decision large Commercial Card applications using established and sound credit practices and in accordance with applicable policies, laws and regulations; Prepare loan memorandums, risk rating matrices, and financial analysis; Provide an exceptional customer experience to internal and external customers.

About This Role :

1. Perform all underwriting functions in accordance with established policies, laws, and regulations

2. Ensure credit analysis, loan memorandums, and related documentation are completed accurately and timely

3. Provide an exceptional customer experience to internal and external customers

4. Understand and comply with bank policies and applicable laws and regulations including the Bank's BSA / AML program

5. Exhibit professional behavior, promote positive working relationships, and maintain regular and predictable attendance

The Ideal Candidate for This Role :

1. Bachelor's degree or equivalent work experience

2. One year credit underwriting or related experience, preferably in Commercial Lending

3. Ability to multi-task while adhering to timetables for completion

4. Excellent written and verbal communication skills

5. Working knowledge of applicable compliance regulations including (but not limited to) FCRA, CRA, HMDA, and BSA

Additional Qualifications :

1. Preferably, a working knowledge of Microsoft Office suite of products

2. Preferably, a working knowledge of Optimist, First Impressions, TBS and First Work

Candidates must possess unrestricted work authorization and not require future sponsorship.

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

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 selvesno matter their role or where they are in their journey.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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.