Commercial Real Estate (CRE) Senior Credit Analyst

At U.S. Bank were 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 atall from Day One.

Job Description

The Commercial Real Estate Senior Credit Analyst 3 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.

Underwriting & Credit Analysis

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 companywide credit reviews for clients with multiple property holdings including analysis beyond bankfinanced properties

Transaction & Deal Support

Support both existing property transactions (including refinancings) and groundup 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

Basic Qualifications

Bachelors degree or equivalent work experience

Two or more years of experience in a finance/analytical related role

Preferred Skills & Experience

Strong foundation in CRE underwriting across multiple property types (cash flow valuation sponsor analysis structure and covenants).

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 accountabilityindependently 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 research platforms preferred

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week. The location for this position is Newport Beach CA.

Our qualification review for this role considers the totality of a candidates background including relevant work experience education military experience and specialized training. Equivalent combinations of these experiences may satisfy the basic qualifications for the role.

If theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to our disability accommodations for applicants .

Benefits:

Our approach to benefits and total rewards considers our team members whole selves and what may be needed to thrive in and outside work. Thats 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:

• 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

Review our full benefits available by employment status here .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race religion color sex national origin age sexual orientation gender identity disability or veteran status and other factors protected under applicable law.

E-Verify

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 E-Verify program.

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 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: $98345.00 - $115700.00

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.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

Required Experience:

Senior IC