Commercial Real Estate 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 This role has multiple levels, open to candidates with more than 6 months of experience in a finance/analytical related role. The successful candidate will be hired for the level of the position that aligns with their experience. Please note that the salary range provided corresponds to the lowest level of the position posted. The Commercial Real Estate Credit Analyst supports Relationship Managers and Portfolio Managers in the underwriting, credit monitoring, and ongoing management of a diverse portfolio of commercial real estate relationships. This role is responsible for performing detailed financial and credit analysis, supporting credit approval requests, monitoring portfolio risk, and ensuring compliance with bank credit policies and underwriting standards. The analyst plays a key role in assessing credit risk and maintaining the overall credit quality of a complex CRE portfolio. The position sits within the Commercial Real Estate (CRE) group covering a broad platform that includes institutional‑size CRE, middle market, and other CRE segments. The team underwrites all major commercial property types (excluding single‑family homes), including multifamily, office, industrial, retail, data centers, self‑storage, hospitality, and life science properties. Key Responsibilities 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 for approximately 15–20 loans Proactively identify and communicate emerging risks, mitigants, and other issues at the transaction and portfolio level 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 Support Portfolio 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. Participate in the preparation and negotiation of term sheets, as applicable 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 Bachelor's degree, or equivalent work experience More than 6 months of experience in a finance/analytical related role Preferred Skills/Experience Background in commercial real estate, finance, accounting, or economics 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 Location expectations This role requires working on-site at the U.S. Bank location listed in the posting at least three (3) days per week. The position is based in Charlotte, NC. Our qualification review for this role considers the totality of a candidate’s 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 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: $66,640.00 - $78,400.00 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. #J-18808-Ljbffr