Commercial Real Estate Credit Analyst II

Role Overview

• 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.
• 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.

Requirements

• 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 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.

Benefits

• 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