CRE Underwriting & Credit Analyst II

FNBO; Kansas City (MO); Hybrid; USD 63,000 - 104,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

401k with Matching Contributions

Time Off Programs

HSA/Dependent Care

Job summary

FNBO is recruiting a CRE Credit Analyst II to perform complex financial analyses of commercial real estate loan requests, evaluate borrower creditworthiness, and determine project viability. The role covers underwriting per Bank policies and required compliance standards.

The ideal candidate will independently analyze credits, prepare detailed credit memos, and support ongoing monitoring of covenants. Hybrid work arrangement with in-person and remote days is provided.

Qualifications

• Bachelor’s degree or equivalent experience in finance, accounting, or real estate
• At least two years of direct lending or credit analysis experience
• Strong knowledge of financial statement analysis and underwriting principles
• Ability to analyze multiple property types (multifamily, office, retail, industrial)

Responsibilities

• Analyze complex CRE credit requests with focus on financial, collateral, and industry analysis
• Prepare loan presentations and credit memos for new, renewed, and annual reviews
• Evaluate borrower, guarantor and collateral data to assess repayment viability
• Monitor loan covenants and ensure compliance with policies and regulations
• Coordinate with Relationship Managers and lenders to discuss credits and risks
• Maintain accurate documentation and adhere to SLAs

Skills

Credit analysis

Financial statement analysis

Underwriting principles

Real estate lending

Education

Bachelor's degree in Finance/Accounting/Real Estate or related field

Tools

nCino

Optimist 8

Foundation

Microsoft Office

Job description

FNBO is recruiting a CRE Credit Analyst II to perform complex financial analyses of commercial real estate loan requests, evaluate borrower creditworthiness, and determine project viability. The role covers underwriting per Bank policies and required compliance standards.

The ideal candidate will independently analyze credits, prepare detailed credit memos, and support ongoing monitoring of covenants. Hybrid work arrangement with in-person and remote days is provided.