Senior Credit Analyst - Las Vegas, NV

Senior Credit Analyst - Las Vegas, NV

Title: Senior Credit Analyst - Las Vegas, NV
Location: US-NV-Las Vegas
Other Locations:

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.


Responsible for credit evaluation and analysis of prospective and current commercial loan customers to ensure that corporate credit policies and procedures are maintained in compliance with all established and published guidelines. Underwrites the most complex commercial loan requests. Provides guidance and technical support to Credit Analysts.

Travel up to 5%

Underwrites the most complex commercial loan requests.

Develops credit information, such as debt service ability and cash flow analysis, for use by Relationship Managers and/or Loan Committees in making lending decisions on new loan requests, commercial loan renewals, modifications and annual reviews. Reviews all pertinent credit and financial information, determines the need for more information, prepares spreadsheets, analyzes financial information and prepares credit request packet (including borrower(s) financial statement/tax return analysis, guarantor(s) financial statement/tax return analysis, collateral valuation analysis, market/industry analysis).

Identifies risks related to borrower operations, industry/sector, collateral, etc. and recommends appropriate loan grades to the most complex credit requests independently based on analysis performed.

Ensures that corporate credit policies and procedures are maintained in compliance with all established and published commercial banking policies/guidelines and regulatory statutes.

Discusses loan structure with Relationship Manager and borrower to minimize bank's risk.

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.

Monitors current accounts, watching for any developing problems and keeps Relationship Managers informed.

Assists Relationship Managers with proper pricing of loans to ensure profitability of borrower relationship.

Provides guidance and technical support to Credit Analysts.

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.

May present commercial loan requests to respective approval authority levels.

May prepare real estate internal valuation documents for loan origination or loan review purposes.

Assists in the review of loan portfolios of potential acquisitions when requested.
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Minimum of 3 years of previous commercial credit analysis experience (or equivalent experience) required.
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Thorough knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures.
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Strong analytical, mathematical and problem solving skills with the ability to analyze and interpret quantitative data and formulate sound conclusions.
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Experience with preparation of financial projections, spreading financial statements and preparation of written analysis reports.
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Strong organization and time-management skills, attention to detail with high degree of accuracy, and the ability to work independently.
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Strong interpersonal, verbal and written communication skills.
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Ability to maintain confidentiality of customer and credit information
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Sound judgment, decision-making ability, and the ability to work in pressure situations
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Working knowledge of various software packages, including word processing, spreadsheet, electronic mail and presentation, and banking systems.
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Knowledge of banking, including an understanding of commercial lending and credit and appropriate banking laws, regulations and bank policies and procedures
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BS/BA in Finance/Accounting/Business Management preferred
Physical Requirements for the primary Accountabilities, % of work period
* Keyboarding 34-66%
* Working with the hands 1-33%
* Sitting >66%
* Standing/walking 1-33%
* Talking 34-66%
* Near Vision 34-66%
* Hearing >66%
Mutual of Omaha Bank is an Equal Opportunity Employer