Credit & Real Estate Analyst

Premier Bank, Omaha; Omaha (NE); On-site; USD 65,000 - 90,000; Full time

Job summary

Premier Bank in Omaha, NE seeks an experienced credit analyst to evaluate financial condition of individuals and businesses applying for loans. You will inspect residential and commercial construction sites, create internal valuation reports, and assist lenders with credit analysis for loan presentations.

The role emphasizes accurate analysis, adherence to bank policies, and timely reporting. You will interact with lenders, monitor covenant compliance, and support loan approvals with thoughtful

Qualifications

• Proficient in financial analysis and credit risk assessment.
• Understanding of construction processes and appraisal practices.
• Strong communication for interactions with lenders and customers.

Responsibilities

• Evaluate creditworthiness of loan applicants including individuals and businesses.
• Perform on-site construction inspections and prepare valuation reports.
• Assist lenders with credit analysis for loan presentations and approvals.
• Monitor covenant compliance and annual reviews for assigned credits.
• Prepare internal valuations and conduct appraisal reviews for real estate loans.

Skills

Financial analysis

Construction knowledge

Communication skills

Deadline management

Bank products & policies

Microsoft Office

Job description

Just because a bank has a lengthy history, doesn’t mean there’s a great story to tell.Premier Bank is founded by a desire to do more of what businesses and consumers expect their financial partner to do.That means investing more in our relationships and providing financial products and services that are better suited to your needs while doing all we can to make sure you get more from the banking services you use. It's not too much for you to expect more. With Premier Bank, you can.

Mission Statement

To deliver a PREMIER banking experience by exceeding expectations of our community, employees, customers and shareholders. “Expect More”

ABOUT THIS ROLE:

Responsible for evaluating the financial condition of individuals and businesses applying for credit with the bank to determine their credit worthiness and their ability to repay loans.Inspect residential and commercial construction sites and complete required analysis. Create internal real estate valuation reports and conduct appraisal reviews. Assist lenders with credit analysis for loan presentations as needed.

RESPONSIBILITIES:

• Ensure customer needs are always handled in a courteous and professional manner.
• Complete on-site physical inspections of construction sites.
• Compile an accurate analysis to document the percentage completion of construction projects.
• Complete Spec and Model construction reports.
• Create internal valuation reports.
• Assist lenders with credit analysis.
• Analyzes data on new and existing commercial, construction and residential loans including information provided by credit bureaus, financial statements and tax returns.
• Assists in the preparation of credit presentations for loan approval.
• Responsible for financial monitoring including covenant compliance and completing annual reviews for specified credits.
• Prepare internal valuations as applicable and conduct appraisal reviews for residential real estate loans.
• Provides technical advice and assistance to loan officers as needed.

NECESSARY KNOWLEDGE, SKILLS & ABILITIES:

• Basic knowledge of the construction process and construction materials.
• Good financial analytical abilities.
• Ability to communicate in a courteous and professional manner
• Ability to work under pressure to meet deadlines
• Knowledge of bank products and services.
• Knowledge of bank policies and procedures.
• Knowledge of Premier Bank loan policies.
• Ability to operate current bank computer systems.
• Knowledge of Microsoft Office software such as Outlook, Word and Excel