CRE Credit Analyst II — Real Estate Underwriting Expert

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

Benefits offered by this job

Medical, Dental, Vision Insurance

401k, With Matching Contributions

Time Off Programs

Health Savings Account (HSA)/Dependent

Employee Banking

Growth Opportunities

Tuition Assistance

Short-Term/Long-Term Disability

Job summary

FNBO is seeking a Commercial Real Estate Credit Analyst II to perform complex financial analysis of CRE loan requests, evaluate borrower creditworthiness, and determine project viability. The role requires underwriting in line with bank policies and strong knowledge of risk rating and compliance standards.

The ideal candidate has 2+ years in direct lending or credit analysis, with CRE experience, and is proficient in financial statement analysis and property-type evaluations.

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).

Responsibilities

• Critically and independently analyze complex CRE credit requests with focus on financial, collateral and industry analysis.
• Prepare loan presentations (credit memos) for new requests, renewals and annual reviews.
• Evaluate borrowers and guarantors, focusing on repayment sources and project viability.
• Perform real estate collateral analysis including LTV and market assessments.
• Monitor loan covenants to ensure ongoing compliance with loan agreements.
• Discuss credits with Relationship Managers to provide risk-based recommendations.

Skills

Financial analysis

Credit underwriting

Property type analysis

Communication skills

Analytical skills

Education

Bachelor's degree in Finance/Accounting/Real Estate

Tools

Microsoft Office

Job description

FNBO is seeking a Commercial Real Estate Credit Analyst II to perform complex financial analysis of CRE loan requests, evaluate borrower creditworthiness, and determine project viability. The role requires underwriting in line with bank policies and strong knowledge of risk rating and compliance standards.

The ideal candidate has 2+ years in direct lending or credit analysis, with CRE experience, and is proficient in financial statement analysis and property-type evaluations.