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First National Bank GH · 3 days ago

Commercial Real Estate Credit Analyst II (Omaha, Fort Collins, Minneapolis, KC)

Kansas City, MO - 1 Ward Parkway

Full-time

Hybrid

Entry, Mid Level

$62K/yr - $102K/yr

2+ years exp

First National Bank is committed to the success of its employees and is seeking a Commercial Real Estate Credit Analyst II. This role involves performing complex financial analysis of commercial real estate loan requests, evaluating borrower creditworthiness, and ensuring compliance with bank policies and regulations.

BankingFinancial Services

No H1B

Responsibilities

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. Complexity is based upon relationship size, risk, structure, and aggregate debt

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

Qualification

Credit analysisFinancial statement analysisCommercial real estate lendingLoan documentationLending software proficiencyAnalytical skillsCommunication skillsOrganizational skills

Required

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

Company

First National Bank GH

First National Bank Ghana received a universal banking license from the Bank of Ghana during the second half of 2015 with Richard Hudson as Chief Executive Officer.

Founded in 2017

Ridge, Volta, GHA

501-1000 employees