CRE Credit Analyst II — Hybrid, Growth Potential

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); Hybrid; USD 63,000 - 104,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401k with Matching

Time Off Programs

HSA

Tuition Assistance

Job summary

FNBO is seeking a Commercial Real Estate Credit Analyst II to perform complex financial analysis for CRE loan requests. You will independently underwrite in line with bank policies and assess borrower creditworthiness, collateral value, and project viability.

The role requires CRE lending experience, strong financial statement analysis skills, and proficiency with FNNI systems. Hybrid work setup with in-person and remote days offers balance and collaboration.

Qualifications

• 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 CRE lending.
• Strong understanding of financial statement analysis and credit underwriting principles.
• Proficiency in analyzing various property types (multifamily, office, retail, industrial).
• Strong organizational and analytical skills with ability to manage deadlines.
• Excellent written and oral communication skills.

Responsibilities

• Critically analyze complex CRE credit requests with focus on financial, collateral, and industry analysis.
• Ensure compliance with loan policy and risk ratings.
• Prepare credit memos and loan presentations for new, renewed, and reviewed credits.
• Evaluate borrower and guarantor financial data for repayment viability.
• Perform real estate collateral analysis including LTV and market assessments.
• Monitor loan covenants to ensure ongoing compliance.
• Discuss credits with Relationship Managers and provide risk-based recommendations.
• Support training of new analysts and serve as SME when needed.
• Maintain thorough file documentation and adhere to procedures.

Skills

Financial statement analysis

Credit underwriting

Property types analysis

Microsoft Office

Communication skills

Independent decision making

Analytical skills

Education

Bachelor's degree in Finance/Accounting/Real Estate

Tools

nCino

Optimist 8

Foundation

Job description

FNBO is seeking a Commercial Real Estate Credit Analyst II to perform complex financial analysis for CRE loan requests. You will independently underwrite in line with bank policies and assess borrower creditworthiness, collateral value, and project viability.

The role requires CRE lending experience, strong financial statement analysis skills, and proficiency with FNNI systems. Hybrid work setup with in-person and remote days offers balance and collaboration.