Construction Analyst - Kansas City Metro

Fnbo---First-National-Bank-of-Omaha-1; Kansas City (MO); Hybrid; USD 51,000 - 84,000; Full time

Benefits offered by this job

Medical Insurance

401k Matching Contributions

Time Off Programs

Health Savings Account (HSA)

Employee Banking

Tuition Assistance

Job summary

FNBO is seeking a Construction Analyst to oversee commercial construction loans, verify progress, and validate collateral at critical stages. The role focuses on risk analysis, on-site inspections, and accurate documentation for disbursement decisions.

Ideal candidates have 2+ years in commercial banking or real estate administration, strong communication, and meticulous organizational skills. Hybrid work with a mix of in-person and remote collaboration is offered.

Qualifications

• 2+ years of experience in commercial banking, loan servicing or real estate administration.
• Superior verbal and written communications skills.
• 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.
• Proficient with PC, web, and Microsoft Office applications.

Responsibilities

• Portfolio Oversight: Maintain a structured monitoring calendar for construction loans, including advance schedules, milestone dates, loan maturity dates, and reporting deadlines.
• Analyze risk exposure by reviewing contracts, permits, change orders, insurance, and title requirements.
• Progress verification through on-site inspections and construction consultants.
• Budget tracking to flag variances, overruns, and reserve depletion.
• Compliance management: validate documentation, permits, lien waivers, and budget reconciliations before disbursement.
• Draw file maintenance: generate audit-ready draw packages with inspections and monitoring records.
• Portfolio reporting: prepare periodic reports for credit leadership with pipeline status and risk flags.

Skills

Commercial banking experience

Loan servicing

Real estate administration

Verbal communication

Written communication

Confidentiality

Time management

Attention to detail

Organizational skills

Problem solving

Tools

Microsoft Office

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 deadlinesAnalyze 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 litigationProgress 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 applicableBudget 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 reviewCompliance 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 approvalDraw File Maintenance: Generate audit-ready draw packages including documentation of all draw approvals, inspection reports, and monitoring activitiesPortfolio Reporting: Prepare periodic portfolio monitoring reports for credit leadership, including pipeline status, active risk flags, and upcoming maturity or extension decisionsThe Ideal Candidate for This Role:Required Skills:2+ years of experience in commercial banking, loan servicing or real estate administrationSuperior verbal and written communications skillsExhibit and maintain high degree of professionalismMaintain high degree of confidentiality and integrityAbility to communicate effectively and professionallyExcellent follow through and time management skillsStrong attention to detailsExcellent organizational skillsMust exhibit good business acumenAbility to multi-task and problems solveProficient with PC, web, and Microsoft Office applicationsMust possess a can-do customer-service attitude/philosophyPreferred Skills:Exposure specifically in commercial real estate / commercial home builder or construction lending environmentFamiliar with commercial and residential homebuilding and development life cyclesUnderstanding of how construction draw request, inspections, lien waivers and title updates workExperience with loan accounting or commercial bank systems and automated draw softwareCandidates must possess unrestricted work authorization and not require future sponsorship.Compensation:Compensation range (base pay): $50,630.00-$83,540.00This 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 Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .For additional information regarding compensation and benefits, e-mail FNBO at [e-mail] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.Job number: R-20261733Equal 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.Learn more here.FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.Click here to download 'EEO is The Law' Self-Print PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO 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.