**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! 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 independent credit analysis of commercial loan requests (CRE, C&I, and Agribusiness). Complete financial analysis and evaluation of credit worthiness; Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis; Develop and maintain a thorough understanding of loan products and procedures; Interact with and provide an exceptional customer experience to internal and external customers. **About This Role:** **ESSENTIAL DUTIES/RESPONSIBILITIES:** + Conduct complete credit underwriting including: + Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews. + Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities. + Conduct the appropriate level of guarantor analysis to include: credit bureau reports, personal financial statements and tax returns. Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities. + Perform collateral analysis including margin/loan-to-value calculation. + Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating. + Process requests in a timely manner to ensure desired service levels and compliance requirements are met. + Research credit requests including related commitments, background on borrowing entities, analyze industry risks + Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions. + Become proficient in all operations and procedures of the lending department and related computer systems including the bank’s mainframe system, nCino, and Optimist 8. + Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program. 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.\ + Provide exceptional customer service to staff, customers, and other related parties in support of the credit process. Work with internal and/or external customers to answer any questions and supply additional support needed to complete underwriting of loan applications. + 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:** **Education and/or Experience** **Required:** + Bachelor’s degree in Accounting, Business Administration, Finance, Economics, or related field or equivalent work experience + General understanding of financial statements, lending policies, procedures, practices, and documentation including cash flow and collateral analysis + Ability to adapt and manage multiple deadlines is required + Experience in credit analysis is preferred **Other Knowledge and Skills** + Strong analytical skills and detail oriented + Demonstrate accuracy and thoroughness and 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 + Proficient in PC operation and demonstrated understanding of Microsoft Office Applications and Outlook **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-20250207 **Equity, Diversity, & Inclusion:** FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce. See the full **FNBO Equity, Diversity, & Inclusion Statement** here (https://www.fnbo.com/about-us/inclusion-diversity/) All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status. Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster.pdf) to download **'EEO is The Law' Self-Print Poster** Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_federal\_contractors.pdf) to download **'EEO is The Law' Supplement for Federal Contractors** Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_gina\_supplement.pdf) 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.