Mutual of Omaha Bank is quickly becoming a national leader in the banking industry and we're looking for talented individuals to help us grow. With over $5 billion in assets, Mutual of Omaha Bank operates a network of community banks and offices in Arizona, California, Colorado, Florida, Iowa, Kansas, Nebraska, Nevada and Texas and has a nationwide deposit services business that serves property management companies and homeowners associations from coast to coast. By combining our trusted name and financial strength with a community banking approach, we're uniquely positioned for continued growth and success. If you're looking to take your career to the next level, Mutual of Omaha Bank is the place for you.
Performs credit analysis function for ongoing commercial loan portfolio management process and identifies risks related to each credit relationship. Analyses include business/personal/global cash flow analysis, income/expense analysis, balance sheet analysis, collateral analysis and market/industry analysis.
Prepares annual reviews for commercial loan relationships and assists the Relationship Managers in monitoring ongoing financial covenant and/or borrowing base compliance and communicates any compliance violations to respective Relationship Manager and Market Credit Officer.
Inputs financial and tax data on loan origination software/spreadsheets.
Performs credit analysis function for new commercial loan requests and commercial loan renewals/modifications/annual reviews (including borrower(s) financial statement/tax return analysis, guarantor(s) financial statement/tax return analysis, collateral valuation analysis, market/industry analysis). Primarily on smaller commercial loans.
Identifies risks related to borrower operations, industry/sector, collateral, etc. and communicates with respective Relationship Manager and Market Credit Officer.
Ensures that corporate credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines and regulatory statutes.
Provides customer service to current and prospective borrowers, researches borrower needs, answers questions, conducts routine research and solves routine problems. May attend client meetings as requested.
Complies with bank procedures and follows operational and security guidelines.
Maintains customer confidence and protects operations by keeping information confidential.
Assists in maintaining loan files and creates specialized ad-hoc reports as requested.
May facilitate reporting and requests on behalf of the Bank with third parties, e.g. appraisers, etc. Orders reports such as business or personal credit reports, background investigations, etc.
**NOTE: This job posting is reflective of the Credit Analyst essential functions, qualifications, and physical requirements. The Senior Credit Analyst level has variable essential functions, qualifications and physical requirements. Competency and skill set will determine level of placement within the posted job family.**
Strong organization and time-management skills, attention to detail with high degree of accuracy, and the ability to work independently.
Strong interpersonal, verbal and written communication skills.
Ability to maintain confidentiality of customer and credit information.
Sound judgment, decision-making ability, and the ability to work in pressure situations.
Good analytical, mathematical and problem solving skills.
Personal computer operation with skills in various software packages, including word processing, spreadsheet, email and presentation, and banking systems.
1-2 years relevant experience in commercial credit analysis or finance/accounting
BS/BA in Finance/Accounting preferred
Physical Requirements for the primary Accountabilities, % of work period
Working with the hands 1-33%
Reaching above shoulders 1-33%
Near Vision >66%
Far Vision 1-33%
Mutual of Omaha Bank is an Equal Opportunity Employer
Mutual of Omaha - 2 years ago
For more than 100 years, Mutual of Omaha has helped millions of families strive to reach their financial goals and plan for a secure future....