CRE Sr. Credit Analyst

U.S. Bank • Charlotte, NC

1d • 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 Partners with Relationship Managers to manage an assigned portfolio of customer relationships. Responsibilities will include but are not limited to: underwriting and presenting origination and modification credit requests for approval; 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

Requirements

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

Nice To Haves

• Background in commercial real estate, finance, accounting, or economics
• Strong commercial real estate credit underwriting and financial analysis skills
• Experience with CRE cash flow modeling, collateral valuation, covenant analysis, sponsor analysis, and market research
• Demonstrated ability to independently perform financial analyses for new requests, modifications, and ongoing credit monitoring
• Experience authoring credit memoranda and supporting credit approval processes
• Effective analytical and technical report writing skills
• Strong verbal and written communication skills, with the ability to clearly present risks and recommendations
• Ability to work independently while collaborating closely with Relationship Managers, Portfolio Managers, and Credit Approvers
• Familiarity with banking policies and commercial real estate underwriting processes
• Proficiency in Microsoft Excel and the broader Microsoft Office Suite
• Experience with nCino and CoStar preferred

Responsibilities

• Underwriting & Credit Analysis Analyze borrower financials, property cash flows, collateral valuation, sponsor strength, covenant sensitivities, and market conditions
• Prepare clear, comprehensive written credit analyses and supporting documentation
• Collaborate with Relationship Managers in preparing, underwriting, and presenting credit requests for approval
• 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
• 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
• Portfolio Management & Credit Monitoring 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
• Collaboration & Communication 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: Mid Level
• Number of Employees: 5,001-10,000 employees