Commercial Real Estate Senior Credit Analyst

U.S. Bank • Los Angeles, CA

7d • Onsite

About The Position

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 This role has multiple levels, open to candidates with 3+ years of experience in a finance/analytical related role. The successful candidate will be hired for the level of the position that aligns with their experience. Please note that the salary range provided corresponds to the lowest level of the position posted. The Commercial Real Estate Credit Analyst supports Relationship Managers and Portfolio Managers in managing an assigned portfolio of commercial real estate client relationships. This role is responsible for financial analysis, credit monitoring, underwriting support, and portfolio reviews while ensuring compliance with bank credit policies and underwriting standards. The analyst plays a critical role in assessing credit risk, supporting credit approval requests, and maintaining the overall credit quality of a complex and diverse CRE portfolio. The role sits within the Commercial Real Estate (CRE) group covering institutional clients based in the Western U.S. The team underwrites all major commercial property types, including apartments, office, industrial, retail, lodging, data centers, self storage, and life science properties, but excluding single family homes.

Requirements

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

Nice To Haves

• Strong financial analysis and credit underwriting skills within a commercial real estate context; banking experience is highly desired
• Effective analytical and technical report‑writing skills
• Strong verbal and written communication skills, with the ability to clearly present findings and risk considerations
• Ability to work independently, performing financial analyses as a first line of defense and escalating potential issues appropriately
• Experience executing straightforward credit requests for existing clients and authoring credit analyses
• Ability to collaborate effectively with Credit Approvers and internal risk partners
• Comfort independently participating in client bank meetings, when necessary
• Familiarity with banking policies and commercial real estate underwriting processes
• Strong proficiency in Microsoft Office Suite, particularly Excel
• Experience with nCino and CoStar preferred

Responsibilities

• Support Relationship Managers and Portfolio Managers in managing an assigned portfolio of commercial real estate relationships
• Oversee accurate and consistent spreading of borrower and guarantor financial statements in accordance with bank standards and credit policies
• Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing
• Analyze financial data and prepare clear, comprehensive written credit analyses
• Assess portfolio credit quality and assist with industry and sector reviews
• Support Relationship Managers in preparing, underwriting, and presenting credit requests for approval
• Maintain compliance monitoring and financial reporting databases, including tracking credit agreement requirements, receipt of borrower financials, and credit metric trends
• Participate in quarterly portfolio reviews, including analysis of operating statements, rent rolls, and risk assessments for an assigned portfolio of credits.
• Support both existing property transactions (including refinancings) and ground‑up construction projects, including monitoring project budgets and reviewing monthly construction draws through project completion
• Assist with new deal originations, evaluating opportunities with transaction sizes typically ranging from $50 million to $100 million
• Support annual company‑wide credit reviews for clients with multiple property holdings, including analysis beyond the properties financed by the bank
• Participate in client meetings and/or site visits, as available, to support underwriting, portfolio management, and risk discussions

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: Mid Level
• Number of Employees: 5,001-10,000 employees