CRE Sr. Credit Analyst

U.S. Bank • Charlotte, NC

1d • $86,360 - $101,600 • Hybrid

About The Position

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
• 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

Nice To Haves

• Background in commercial real estate, finance, accounting, or economics
• Experience with nCino and CoStar preferred

Responsibilities

• 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
• 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