Credit Analyst

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

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week.

This role is responsible for reviewing condominium and cooperative housing projects to determine eligibility under investor, regulatory, and lending guidelines. The Project Analyst conducts detailed reviews of property-related documentation, including homeowner association (HOA) financial statements, board documents, insurance policies, litigation records, property inspection reports, and safety and health-related information. Working within established lending requirements, the incumbent evaluates projects against agency, investor, and portfolio guidelines, analyzes supporting documentation, requests additional information when needed, and issues project approval decisions. The role maintains accurate records within internal systems and communicates project outcomes and requirements to underwriting teams, sales partners, operations teams, risk partners, and other key stakeholders.

This position requires strong analytical and research skills, attention to detail, and the ability to interpret complex lending guidelines and regulations. The Project Analyst must be able to locate, review, and apply investor and regulatory requirements while exercising sound judgment in evaluating project eligibility. Success in this role requires the ability to organize and prioritize work effectively, communicate complex requirements clearly in both written and verbal formats, and collaborate with business partners to support lending decisions.

Preferred candidates will possess experience in mortgage lending, underwriting, secondary market guidelines, and agency requirements, including Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending programs. While condominium project review experience is preferred, it is not required. Candidates with demonstrated experience interpreting lending guidelines, conducting regulatory research, reviewing documentation, and applying underwriting or lending requirements will be well-positioned for success. Individuals with strong analytical thinking, research capabilities, attention to detail, and customer-focused communication skills will thrive in this highly detail-oriented and research-intensive environment.

This role has multiple levels, open to candidates with a minimum one year of mortgage, sales, real estate, or banking experience. The successful candidate will be hired for the level of the position that aligns with their experience.

Basic Qualifications

• Bachelor's degree, or equivalent work experience

• Typically one to three years of relevant experience

Preferred Skills/Experience

• Good verbal and written skills in order to effectively interact with various areas of the organization when resolving problems and providing support

• Strong analytical and problem-solving skills

• Ability to manage multiple tasks/projects and deadlines simultaneously

• Experience interpreting and applying mortgage lending, investor, and regulatory guidelines, including Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending requirements.

• Strong analytical and research skills with the ability to evaluate complex documentation and make sound eligibility determinations.

• Knowledge of mortgage underwriting principles, secondary market guidelines, and lending regulations.

• Excellent attention to detail with experience reviewing financial, insurance, legal, and property-related documentation.

• Strong written and verbal communication skills with the ability to explain complex requirements and decisions to business partners and stakeholders.

If there's 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. 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:

• 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 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: $25.63 - $34.18

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.