Credit Analyst

U.S. Bank • Brea, CA • 8h ago

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

The Credit Analyst 3 position is responsible for underwriting and managing a portfolio of commercial real estate term loans for high-net-worth clients within the Wealth Management business line. The portfolio consists of stabilized properties across multi-family, industrial, and retail sectors.

Key Responsibilities:

Portfolio Management: Maintain and monitor an assigned portfolio of relationships and loans, ensuring compliance with credit policies and risk standards.

Underwriting & Credit Analysis: Perform detailed financial analysis, property evaluations, and risk assessments for new and existing loans.

Deal Structuring: Prepare and present credit proposals for term loans, ensuring alignment with client objectives and internal guidelines.

Growth Support: Assist in originating and executing new lending opportunities to expand the WIRED portfolio.

Client Engagement: Serve as a primary point of contact for assigned clients, providing guidance and responding to inquiries related to loan terms and portfolio performance.

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week.

Basic Qualifications

Bachelor's degree, or equivalent work experience

Three to five years of experience in a finance/analytical related role

Preferred Skills/Experience

Background in economics, accounting, and/or finance and ability to apply knowledge in those areas to understanding the overall lending and business environment

Effective analytical and technical report writing skills

Effective verbal and written communication skills

Ability to work independently performing financial analyses as a first line of defense and communicate potential issues

Ability to execute straight forward credit requests for existing clients, author credit analyses and work with Credit Approvers within the bank

Ability to independently participate in client bank meetings if necessary

Experience in commercial real estate lending or credit analysis

Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).

Familiarity with nCino is beneficial

Works independently and manages priorities effectively

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 (https://careers.usbank.com/global/en/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 (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 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 (https://careers.usbank.com/verification-of-eligibility-for-employment) .

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: $92,820.00 - $109,200.00

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.

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