20 First National Bank Credit Analyst Jobs Hiring Near You

Position Summary:

The Real Estate Valuation Specialist is responsible for managing the Banks real estate valuation process. This includes maintenance of policies and procedures, training, approval of appraisers, and reviewing and analyzing third party real estate appraisals prior to their use in loan decisions by senior management. Conduct in-house valuations, manage available appraisal data, and perform due diligence of construction projects in support of the Banks strategic objectives.

In addition, our FIRST Values apply to all teammates without exception.

FIRST Values

• Family We support, trust, and respect each other, our customers, and our shareholders.
• Independence & Innovation We embrace change as vital to our success.
• Relationships We build relationships that are based on strong character, mutual loyalty, trust, and respect.
• Stewardship We take care of ourselves so we can take care of others.
• Teamwork We help each other grow and succeed.

Who we are:

The First National Bank in Sioux Falls began its long-term commitment to the Sioux Falls area in 1885. The oldest bank in Sioux Falls owes its longevity to a combination of service, stability, innovation, and family involvement. Over the past 140 years, The First National Bank in Sioux Falls has worked diligently to promote the growth and vitality of our city and the surrounding area. The Bank strives to continually be recognized as a community leader by reinvesting financial resources back into the communities it serves and encouraging active employee involvement in community volunteer organizations.

The First National Bank Way, which is a blend of our Mission Statement and FIRST Values, serves as the foundation of our culture. It is a gift that has been passed down to us and is the legacy that we will protect and preserve. Nothing is more important to us it is the cornerstone of our success.

Our culture is driven by integrity, service, and strong values; nothing has shaped it more than our FIRST Values.

Our FIRST Values are not just words; they are truly felt by our employees, customers, shareholders, and communities. They tell us who we are as a business and guide our behaviors and decisions as we move forward and build successful relationships.

Although banking has evolved over the years, our mission and values have not and will not change.

What will you do:

Accountabilities

Real Estate Valuation

Manage and complete RE valuation assignments.

• Maintain the Banks approved appraiser list, making recommendations for additions or deletions as appropriate.
• Engage appraisers to complete appraisal assignments on a timely basis.
• Review and confirm acceptance of appraisals.
• Perform internal real estate valuations or review and acceptance of reports completed by others.
• Provide review and recommendations of environmental risk on real estate proposed as collateral.
• Communicate appraisal, environmental, and evaluation findings with lenders and approval bodies.

CRE Credit Analysis

Provide lenders and analysts with support in the underwriting of investment real estate projects.

• Provide maintenance and support of real estate stress testing tools.
• Provide and maintain effective tools and presentation formats for appropriate evaluation of commercial real estate projects.
• Provide training and resources for credit analyst staff in evaluating CRE projects.

Loan Monitoring and Review

Monitor loans to assess the risk of a loan once the loan is booked.

• Develop and maintain necessary tools and procedures to clearly identify the risk profile with various types of construction projects.
• Ensure implementation of appropriate monitoring tools and practices to encourage early identification of escalating risk during the life of the construction project.
• Communicate timely regarding loans exhibiting higher risk to appropriate credit approvers and management with recommendations for corrective actions.

Qualifications

Secondary education in business or related field preferred. Five or more years of relevant work experience or a combination of education/experience that would enable incumbent to meet accountabilities and required competencies of the position. Experience with professional commercial real estate analysis preferred.

Skills and Abilities

• Excellent verbal and written communication skills.
• Excellent organizational skills and attention to detail. High degree of accuracy required.
• Ability to conduct relationships in a manner that ensures cooperation and positive results.
• Demonstrate self-starter qualities and effectively manage and prioritize multiple tasks to meet deadlines.
• Ability to adapt to the needs of the organization and teammates.

Whats in it for you?

• Health Insurance
• Dental & Vision Insurance
• Profit Sharing
• Paid Vacation & Holidays
• Company paid short and long term disability
• Tuition Reimbursement Program
• Employee Banking Perks
• Community Volunteer time
• And More!