Construction Analyst - Kansas City Metro

FNBO; Kansas City (MO); Hybrid; USD 51,000 - 84,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with matching

Time Off Programs

Health Savings Account

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO in Kansas City is seeking a Construction Analyst who specializes in commercial construction, real estate development, or construction lending to conduct rigorous, systematic reviews of CRE projects and validate draw requests against progress. This role delivers objective, thoroughly documented assessments to the credit team at each stage of the construction lifecycle.

You will coordinate on-site inspections, monitor budgets, and ensure compliance with permits, lien waivers and title

Qualifications

• 2+ years of experience in commercial banking, loan servicing or real estate administration.
• Superior verbal and written communications skills.
• Exhibit and maintain high degree of professionalism.
• Maintain high degree of confidentiality and integrity.
• Ability to communicate effectively and professionally.
• Excellent follow through and time management skills.
• Strong attention to details.
• Excellent organizational skills.
• Must exhibit good business acumen.
• Ability to multi-task and problems solve.
• Proficient with PC, web, and Microsoft Office applications.
• Must possess a can-do customer-service attitude/philosophy.

Responsibilities

• Portfolio Oversight: Maintain a structured monitoring calendar for construction loans, including advance schedules, milestone dates (such as completion dates), loan maturity dates, and reporting deadlines
• Analyze Risk Exposure: Review construction contracts, permits, change orders, zoning documents, builder’s risk/general liability insurance and confirming title company requirements for title date downs and mechanic lien coverage to mitigate delays and litigation
• Progress Verification: Coordinate on-site inspections to confirm the percentage of completion with RM’s or Internal/External Construction Consultants. Actively participate in site visits when applicable
• Budget Tracking: Monitor budget-to-actual cost variances across all active projects; flag cost overruns, equity shortfalls, contingency and interest reserve depletion for RM and/or SME review
• Compliance Management: Validate supporting documentation, permits, lien waivers, title date downs if applicable, budget reconciliations and verify physical progress through review of the construction consultant site inspections prior to disbursement approval
• Draw File Maintenance: Generate audit-ready draw packages including documentation of all draw approvals, inspection reports, and monitoring activities
• Portfolio Reporting: Prepare periodic portfolio monitoring reports for credit leadership, including pipeline status, active risk flags, and upcoming maturity or extension decisions

Skills

Commercial banking

Loan servicing

Real estate

Communication skills

Confidentiality

Time management

Attention to detail

Organizational skills

Professionalism

Multi-tasking

Microsoft Office

Customer service

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 Construction Analyst specializes in commercial construction, real estate development, or construction lending, responsible for conducting rigorous, systematic reviews of commercial real estate projects. This role validates draw requests against verified construction progress and delivers objective, thoroughly documented assessments of collateral condition to the credit team at each critical stage of the construction lifecycle.

About This Role

Core Responsibilities

• Portfolio Oversight: Maintain a structured monitoring calendar for construction loans, including advance schedules, milestone dates (such as completion dates), loan maturity dates, and reporting deadlines
• Analyze Risk Exposure: Review construction contracts, permits, change orders, zoning documents, builder’s risk/general liability insurance and confirming title company requirements for title date downs and mechanic lien coverage to mitigate delays and litigation
• Progress Verification: Coordinate on-site inspections to confirm the percentage of completion with RM’s or Internal/External Construction Consultants. Actively participate in site visits when applicable
• Budget Tracking: Monitor budget-to-actual cost variances across all active projects; flag cost overruns, equity shortfalls, contingency and interest reserve depletion for RM and/or SME review
• Compliance Management: Validate supporting documentation, permits, lien waivers, title date downs if applicable, budget reconciliations and verify physical progress through review of the construction consultant site inspections prior to disbursement approval
• Draw File Maintenance: Generate audit-ready draw packages including documentation of all draw approvals, inspection reports, and monitoring activities
• Portfolio Reporting: Prepare periodic portfolio monitoring reports for credit leadership, including pipeline status, active risk flags, and upcoming maturity or extension decisions

Required Skills

• 2+ years of experience in commercial banking, loan servicing or real estate administration
• Superior verbal and written communications skills
• Exhibit and maintain high degree of professionalism
• Maintain high degree of confidentiality and integrity
• Ability to communicate effectively and professionally
• Excellent follow through and time management skills
• Strong attention to details
• Excellent organizational skills
• Must exhibit good business acumen
• Ability to multi-task and problems solve
• Proficient with PC, web, and Microsoft Office applications
• Must possess a can-do customer-service attitude/philosophy

Preferred Skills

• Exposure specifically in commercial real estate / commercial home builder or construction lending environment
• Familiar with commercial and residential homebuilding and development life cycles
• Understanding of how construction draw request, inspections, lien waivers and title updates work
• Experience with loan accounting or commercial bank systems and automated draw software

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

Compensation

Compensation range (base pay): $50,630.00-$83,540.00

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

Job number: R-20261733

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 is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC.

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

Application Deadline

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.