Mutual of Omaha Credit Analyst/Credit Analyst II/Sr Credit Analyst-Omaha or Kansas City in Omaha, Nebraska
Mutual of Omaha Bank is a full-service bank providingfinancial solutions to individuals and businesses in communities across the UnitedStates. With more than $7 billion in assets, Mutual of Omaha Bank operates anetwork of community bank locations in nine states and reaches customersnationwide with business and mortgage lending, as well as banking solutions forproperty management companies and homeowner associations.
This job posting isreflective of the Credit Analyst essential functions, qualifications, and physicalrequirements. The Credit Analyst, Credit Analyst II, and Sr Credit Analyst levels have variable essential functions, qualifications and physicalrequirements. Competency and skill setwill determine level of placement within the posted job family.
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.
Essential Job Functions
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.
Complies with all related Federal, State and Industry laws and regulations pertaining to Banking.
Minimum Job Requirements
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
Additional Preferred Qualifications
BS/BA in Finance/Accounting preferred.
Knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures.
If you are a qualifiedindividual with a disability or a disabled veteran, you have the right torequest an accommodation if you are unable or limited in your ability to use oraccess our career center as a result of your disability. To request an accommodation,contact a Human Resources Representative at 1-800-780-0304. We are availableMonday through Friday 7 am to 4 pm CST.
For all other inquiries,contact our HR Helpline at 1-800-365-1405, option 4.
Mutual of Omaha and its affiliates are an Equal Opportunity/Affirmative Action Employer, Minorities/Female/Disabled/Veteran
Requisition ID: 029627
Other Locations: US-KS-Leawood