Commercial Real Estate Credit Analyst II

• →Critically and independently analyze complex credit commercial real estate credit requests for the Lending Staff with primary focus on financial, collateral, and industry analysis with little guidance and/or direction from Management and the Lending Staff.  Complexity is based upon relationship size, risk, structure, and aggregate debt.

• →Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy.  Complete all assigned compliance training and adhere to internal procedures and controls, as required.  Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.

• →Conduct extensive credit analysis including: 

• →Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.

• →Evaluate and interpret financial data from borrowers, affiliated entities, and guarantors, focusing on comprehensive assessment of primary repayment sources and overall project viability.

• →Perform detailed real estate collateral analysis including loan-to-value calculations, market/ industry assessments, and sensitivity analysis using the FNNI Property Analysis Form.

• →Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement. 

• →Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating.

• →Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc). 

• →Assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert). 

• →Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.

• →Participate in customer visits and/or calls with the Relationship Managers as needed.

• →Process requests efficiently while meeting service level agreements and compliance standards, exercising sound judgment and discretion when completing assigned projects.

• →Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance in alignment with departmental/divisional policy.

• →Maintain complete and accurate file documentation.

• 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 in commercial real estate 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 and the ability to manage multiple deadlines

• Excellent written and oral communication skills, including strong presentation skills

• Independent decision making and problem resolution skills

• Working knowledge of Microsoft Office suite of applications

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

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FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

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All our jobs will be posted for a minimum of 5 calendar days.  Job postings may come down prior to 5 calendar days based on volume of applicants.