Analyst I, Credit Analysis

First National Bank

74d • $46,679 - $77,020

About The Position

The Commercial Real Estate (CRE) Credit Analyst I is responsible for performing complex financial analysis of commercial real estate loan requests, evaluating borrower creditworthiness, and determining the viability of proposed real estate projects. This position independently conducts thorough underwriting functions in accordance with Bank policies, procedures, and all applicable laws and regulations, focusing on financial, collateral, and industry analysis. The analyst ensures loan/underwriting documentation is complete and accurate while recommending appropriate risk ratings and properly identifying policy and underwriting exceptions.

Requirements

• Bachelor’s degree in Finance, Accounting, Real Estate, or related field or equivalent experience.
• General understanding of financial statements and credit underwriting principles.
• Strong analytical and critical thinking abilities.
• Excellent written and verbal communication skills.
• Detail-oriented with strong organizational capabilities.
• Ability to adapt and manage multiple deadlines.

Nice To Haves

• Previous direct lending or credit analysis experience, preferably in commercial real estate lending.
• Proficiency in analyzing various property types (multifamily, office, retail, industrial).

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.
• 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, Foundation, etc).
• Develop 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 Relationship Managers.

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

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Bachelor's degree
• Number of Employees: 5,001-10,000 employees