Commercial Real Estate Senior Credit Analyst (multiple levels)

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 a Bachelor's degree, or equivalent work experience and two (2) or more years 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 Senior Credit Analyst 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 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, 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 Bachelor's 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 accountability—independently 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 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