CRE Sr. Credit Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Commercial Real Estate (CRE) Senior Credit Analyst supports Relationship Managers and Portfolio Managers to manage an assigned portfolio of customer relationships.

Responsibilities will include but are not limited to:

• Overseeing accurate and consistent financial statements spreads, quarterly trend analyses, quarterly monitoring reports and covenant tests in accordance with bank spreading standards and credit policies.
• Analyzing financial data and preparing comprehensive written analyses, analyzing portfolio credit quality and assisting with industry sector reviews, assisting Portfolio Managers in preparing and presenting credit requests for Credit Approval.
• Maintaining a compliance monitoring and financial statistic database that tracks credit agreement requirements, receipt of customer’s financial reporting requirements, and credit metric trends.
• Proactively identify and communicate emerging risks, mitigants, and other issues at the transaction and portfolio level

Transaction & Deal Support

• Support both existing property transactions (including refinancings) and ground‑up construction projects, including budget monitoring and monthly construction draw reviews through project completion
• Assist with new deal originations, evaluating opportunities with typical transaction sizes of $50MM–$100MM, with select transactions up to $750MM
• Participate in the preparation and negotiation of term sheets, as applicable.

Basic Qualifications

• Bachelor's degree, or equivalent work experience 
• Three to five years of experience in a finance/analytical related role

Preferred Skills & Experience

• Strong foundation in CRE underwriting across multiple property types (cash flow, valuation, sponsor analysis, structure, and covenants). 
• Experience authoring credit memoranda and presenting key risks, mitigants, and recommendations to approval committees
• Strong analytical and technical writing skills; able to translate complex sponsor/tenant/technical diligence into clear credit narratives
• Strong verbal and written communication skills, with the ability to collaborate across origination, portfolio management, credit risk, and technical advisors
• Comfort operating with accountability—independently driving analyses while partnering closely with Relationship Managers, Portfolio Managers, and Credit Approvers
• Ability to execute straight forward credit requests for existing clients, author credit analyses and work with Credit Approvers within the bank
• Ability to independently participate in client bank meetings if necessary
• Familiarity with banking credit policy, loan documentation concepts, and CRE underwriting processes (construction, bridge, term, and portfolio facilities)
• Experience with nCino, CoStar, and/or other CRE research platforms preferred

• Advanced proficiency in Microsoft Excel (cash flow modeling and scenario analysis) and the broader Microsoft Office Suite

Location expectations

This role requires working from the U.S. Bank location at the Avenue of the Americas three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits: 

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.