Commercial Real Estate Credit Analyst II
FNBO
full-time
Posted on:
Location Type: Hybrid
Location: Omaha • Colorado • Minnesota • United States
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Salary
💰 $63,288 - $104,425 per year
About the role
- Critically and independently analyze complex credit commercial real estate credit requests for the Lending Staff with primary focus on financial, collateral, and industry analysis with little guidance and/or direction from Management and the Lending Staff.
- Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy.
- 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.
- Conduct extensive credit analysis including: Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
- Evaluate and interpret financial data from borrowers, affiliated entities, and guarantors, focusing on comprehensive assessment of primary repayment sources and overall project viability.
- Perform detailed real estate collateral analysis including loan-to-value calculations, market/ industry assessments, and sensitivity analysis using the FNNI Property Analysis Form.
- Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement.
- Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating.
- Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
- Assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert).
- Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.
- Participate in customer visits and/or calls with the Relationship Managers as needed.
Requirements
- Bachelor’s degree in Finance, Accounting, Real Estate, or related field or equivalent experience.
- A minimum of two years direct lending or credit analysis experience, preferably in commercial real estate lending
- Strong understanding of financial statement analysis and credit underwriting principles
- Proficiency in analyzing various property types (multifamily, office, retail, industrial)
- Strong computer skills and demonstrated understanding of applicable lending software including Microsoft Office Applications and Outlook.
- Experience with loan documentation and compliance requirements
- Strong analytical and critical thinking abilities
- Excellent written and verbal communication skills
- Detail-oriented with strong organizational capabilities.
- Candidates must possess unrestricted work authorization and not require future sponsorship.
Benefits
- 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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit analysisfinancial statement analysiscredit underwritingloan documentationcollateral analysisloan-to-value calculationssensitivity analysisrisk ratingproperty analysiscompliance training
Soft Skills
analytical thinkingcritical thinkingcommunicationorganizational skillsdetail-orientedpeer mentoringindependent analysiscollaborationrecommendation makingcustomer engagement