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FNBO · 21 hours ago

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

Omaha Metropolitan Area

Full-time

Hybrid

Entry, Mid Level

$62K/yr - $102K/yr

2+ years exp

FNBO is a company committed to the success of its employees. The Commercial Real Estate Credit Analyst II is responsible for performing complex financial analysis of commercial real estate loan requests and evaluating borrower creditworthiness to determine the viability of proposed projects.

AccountingBankingFinanceFinancial ServicesMortgage

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

Financial analysisCredit underwritingCommercial real estateLoan documentationRisk ratingAnalytical skillsCommunication skillsOrganizational skillsDetail-orientedTeam collaboration