US Bank Commercial Real Estate Senior Credit Analyst 

United States, North Carolina 

34692126

• Support the Commercial Real Estate Platform’s Relationship Managers, Portfolio Managers, and Credit partners to manage an assigned portfolio of customer relationships
• Underwrites new lending opportunities, assisting in the preparation and presentation of credit requests for Credit Approval
• Oversee accurate and consistent cash flow modeling; quarterly trend analyses and monitoring reports; and covenant tests in accordance with bank standards.
• Analyze financial data for Commercial Real Estate properties and Sponsors, analyzing portfolio credit quality and conducting market research. Preparing comprehensive written analyses

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

• Background in commercial real estate, economics, accounting, and/or finance. Ability to interpret financial information and market data and apply knowledge to commercial real estate lending and overall business environment
• Ability to work independently performing financial analyses (CRE cash flow modeling; collateral valuation; covenant sensitivities; market research; Sponsor Analyses; Market Research) and significant understanding of relevant metrics for new requests, material modifications, and ongoing credit monitoring activities
• Ability to execute credit requests for existing clients, author credit analyses and collaborate with Relationship Managers and Credit Approvers within the Commercial Real Estate group
• Proactive identification and communication of key risks, mitigants and other potential issues at the project and portfolio level
• Experience participating in the preparation and negotiation of term sheets.
• Effective verbal and written communication skills, including competent analytical and technical report writing skills
• Ability to participate in client bank meetings when necessary

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 (some may vary based on role, location or hours):

• 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

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 .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00 - $127,050.00

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.