Job Details

Job Opportunity At FNBO

At FNBO, our employees are the heart of our storyand we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success. Our Modern, Flexible Workplace: We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you! It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.

Summary Of The Job

The Commercial Real Estate (CRE) Credit Analyst II is responsible for performing complex financial analysis of commercial real estate loan requests, evaluating borrower creditworthiness, and determining the viability of proposed real estate projects. This position independently conducts thorough underwriting functions in accordance with Bank policies, procedures, and all applicable laws and regulations, focusing on financial, collateral, and industry analysis. The analyst ensures loan/underwriting documentation is complete and accurate while recommending appropriate risk ratings and properly identifying policy and underwriting exceptions.

About This Role

Essential duties/responsibilities include critically and independently analyzing 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.

The Ideal Candidate For This Role

Required: 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). Other knowledge and skills include strong computer skills and demonstrated understanding of applicable lending software including Microsoft Office Applications and Outlook. Experience with loan documentation and compliance requirements. Strong analytical and critical thinking abilities. Excellent written and verbal communication skills. Detail-oriented with strong organizational capabilities. Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation range (base pay): $62,047.00-$102,377.00. 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.

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs: Medical, Dental, Vision Insurance; 401k, With Matching Contributions; Time Off Programs; Health Savings Account (HSA)/Dependent Care; Employee Banking; Growth Opportunities; Tuition Assistance; Short-Term/Long-Term Disability Insurance.

Equal Opportunity & Belonging: 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 selvesno matter their role or where they are in their journey.