Construction Loan Analyst - Hybrid CRE Development & Oversight

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

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