Commercial Real Estate Credit Analyst II

FNBO; Omaha (NE); Hybrid; USD 63,000 - 104,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with Matching

Time Off Programs

Health Savings Account

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO is seeking a CRE Credit Analyst II to perform complex financial analyses on commercial real estate loan requests and assess borrower creditworthiness. The role focuses on financial, collateral, and industry analysis to determine viability and appropriate risk ratings.

The ideal candidate will have a Bachelor’s degree in Finance/Accounting/Real Estate and 2+ years in direct lending or credit analysis, preferably CRE.

Qualifications

• Bachelor’s degree or equivalent experience in Finance, Accounting or Real Estate.
• Strong understanding of financial statement analysis and credit underwriting.
• Proficiency in analyzing commercial real estate loan requests and property types.

Responsibilities

• Independently analyze complex CRE credit requests with focus on financial, collateral and industry analysis.
• Prepare loan presentations and credit memos for new, renewed or reviewed loans.
• Evaluate borrower and guarantor financial data and monitor loan covenants for compliance.

Skills

Financial analysis

Credit underwriting

Analytical thinking

Microsoft Office

Education

Bachelor's degree in Finance/Accounting/Real Estate

Tools

nCino

Optimist 8

Foundation

Job description

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.

ESSENTIAL DUTIES/RESPONSIBILITIES

• Critically and independently analyse 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.
• Process requests efficiently while meeting service level agreements and compliance standards, exercising sound judgment and discretion when completing assigned projects.
• Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance in alignment with departmental/divisional policy.
• Maintain complete and accurate file documentation.

The Ideal Candidate for This Role

• 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 analysing various property types (multifamily, office, retail, industrial)

Other Knowledge And Skills

• Strong organizational and analytical skills and the ability to manage multiple deadlines
• Excellent written and oral communication skills, including strong presentation skills
• Independent decision making and problem resolution skills
• Working knowledge of Microsoft Office suite of applications

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation

Compensation range (base pay): $63,288.00-$104,425.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in‑person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you’ll experience the energy and relationship‑building of face‑to‑face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work‑life balance, we offer benefits to match your needs:

• 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

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

Job number: R-20261567

Equal Opportunity & Belonging

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

FNBO follows federal law regarding the use of marijuana (this applies to all non‑California applicants).