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

First National Bank•Fort Collins, CO

11d•Hybrid

About The Position

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary of the Job: The Commercial Real Estate (CRE) Credit Analyst II 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. About This Role: ESSENTIAL DUTIES/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.

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.

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, 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.