Loan Operations - Senior Construction Loan Analyst

NBH Bank; Kansas City (MO); Presencial; USD 90.000 - 130.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Insurance

401k

Stock purchase program

Paid time off

Employee banking perks

Descripción de la vacante

NBH Bank is seeking a Senior Construction Loan Analyst to provide thorough objective analysis of construction documentation and funding requirements. You will lead construction monitoring, review funding requests and ensure collateral perfection, while supporting other analysts and cross-functional teams through the loan lifecycle.

Responsibilities include preparing documentation for closings, verifying accuracy, and ensuring compliance with loan approvals and bank policies.

Formación

• High School Education or equivalent combination of education and related work experience.
• 5+ years of relevant job experience.
• Associate's degree or equivalent preferred.
• 7+ years of relevant job experience preferred.
• Prior bank experience in loan accounting or loan balancing is a plus.
• Proficient in Laser Pro commercial documentation software.

Responsabilidades

• Review, analyze, and process loan draws for commercial construction projects.
• Evaluate property inspection reports, invoices, lien waivers, and construction budgets.
• Ensure collateral is perfected prior to booking/funding the loan and input non-financial ticklers for ongoing monitoring.
• Prepare all documentation required for loan approval and closing for accuracy.
• Coordinate with Credit, Loan Administration, and Relationship Management teams to ensure compliance with loan documents and internal controls.

Conocimientos

Verbal and written communication

Discretion

Attention to detail

Time management

Problem solving

MS Office proficiency

Adaptability

Educación

High School Diploma

Associate's degree

Herramientas

LaserPro

Descripción del empleo

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all our associates to feel welcome and empowered at work.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

As a Senior Construction Loan Analyst, you will be responsible for providing a thorough objective analysis of the construction documentation and funding requirements and serve as a subject matter expert for other Construction Loan Analysts in reviewing documentation prepared for accuracy and training others on the construction draw process. You will be expected to lead the RE construction monitoring and review process, including funding requests, invoices, AIA requests from the General Contractor, completion requirements as required by the loan documents and other supporting documents and final completion documents. You will verify loans submitted for approval to ensure preliminary information has been uploaded, properly entered and approved, gathering all remaining necessary information needed to close the loan. You will be responsible for preparing all documentation required in accordance with the approval and/or, reviewing loan documents prepared by outside counsel for accuracy, and checking documentation prior to closing for completeness and accuracy. You will ensure that collateral is perfected prior to booking/funding the loan, and identify and input non‑financial ticklers for on‑going monitoring or missing items. You will also ensure collateral remains perfected, legal documentation supports credit approval, and all risk controls have been met in order to proceed with funding the construction as requested.

Senior Construction Loan Analysts are expected to review, analyze, and process loan draws for commercial construction projects, evaluate property inspection reports, invoices, lien waivers, and construction budgets to assure they support the amount of funding requested. You will work to resolve budget, documentation or payout concerns with the Commercial Relationship Management, Loan Closing teams and Client to set up loan budgets that comply with the loan approval. In addition, you will work with the Credit and Loan Administration groups to follow internal disciplines for responsible portfolio management for your assigned portfolio.

Additionally, Senior Construction Loan Analysts are expected to assist the Loan Servicing Manager with projects and any other requests for support as necessary. You will use appropriate judgment and knowledge of company policies when sharing sensitive information, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

Minimum Requirements:

To be considered for this position, you must possess the following qualifications.

• High School Education or equivalent combination of education and related work experience.
• 5+ years of relevant job experience.

Desired Qualifications:

To be considered an ideal candidate, you should possess some of the following qualifications:

• Associate's degree or equivalent.
• 7+ years of relevant job experience
• Prior bank experience in loan accounting or loan balancing
• Proficient in Laser Pro commercial documentation software

Skills and Abilities:

Below is a general list of desired skills and abilities; this is not an exhaustive list

• Take initiative to research and resolve problems prior to asking for assistance from Manager.
• Absolute discretion when dealing with confidential matters.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write procedures and correspondence, speak clearly to customers and employees.
• Ability to think creatively and meet challenges with resourcefulness.
• Ability to prioritize competing demands and effectively manage multiple tasks and/or projects.
• Ability to make sound and timely decision, to consistently deliver on commitments, and assume responsibility for results.
• Proficient in MS Office applications which include Outlook, Word, Excel and Power Point.
• Strong typing skills to meet production needs of the position.
• Well developed and proven organization skills with ability to utilize time efficiently.
• Responsive and flexible; ability to adapt to changes in the work environment and modify approaches or methods to best fit the situation.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly, and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• We are committed to our core value of meritocracy and supporting our associates in growing within their role
• When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.
• An associate must be able to work overtime to the extent necessary (typically no more than 5%).

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered.

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources. The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information. Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.