Commercial Real Estate Senior Credit Analyst

U.S. Bank • Newport Beach, CA

1d • $111,095 - $130,700 • Hybrid

About The Position

The Commercial Real Estate Senior Credit Analyst 4 manages portfolio risk by ensuring timeliness and accuracy of all credit actions, by providing guidance on credit structure and risk rating decisions and by participating in pre-flight discussions. Coordinates work with Credit, Loan Administration and other groups, promoting consistent quality and conciseness of credit documents and streamlining workflow among underwriting, credit approval and loan administration.

Requirements

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

Nice To Haves

• Strong foundation in CRE underwriting across multiple property types (cash flow, valuation, sponsor analysis, structure, and covenants).
• Demonstrated experience underwriting and/or financing data centers.
• 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.
• Familiarity with banking credit policy, loan documentation concepts, and CRE underwriting processes (construction, bridge, term, and portfolio facilities).
• Advanced proficiency in Microsoft Excel (cash flow modeling and scenario analysis) and the broader Microsoft Office Suite.
• Experience with nCino, CoStar, and/or other CRE/data center research platforms preferred.

Responsibilities

• Underwrite new originations and portfolio exposures for a broad range of CRE asset classes.
• Analyze borrower financials, property cash flows, collateral valuation, sponsor strength, covenant sensitivities, and market conditions.
• Prepare clear, comprehensive written credit analyses and supporting documentation.
• Execute straightforward credit requests for existing clients with limited supervision.
• Assist with annual company‑wide credit reviews for clients with multiple property holdings, including analysis beyond bank‑financed properties.
• 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.
• Support Relationship Managers and Portfolio Managers in managing an assigned portfolio of commercial real estate client relationships.
• Perform accurate and consistent spreading of borrower financial statements in accordance with bank standards and credit policies.
• Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing.
• Maintain compliance monitoring and financial reporting databases, including tracking credit agreement requirements, borrower financial receipt, and key credit metrics.
• Participate in quarterly portfolio reviews, including analysis of operating statements, rent rolls, and risk assessments.
• Proactively identify and communicate emerging risks, mitigants, and other issues at the transaction and portfolio level.
• Collaborate effectively with Credit Approvers and internal risk partners.
• Participate in client bank meetings, as needed, to support underwriting, portfolio management, and risk discussions.
• Serve as a reliable first line of credit analysis, escalating issues appropriately.

Benefits

• 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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior