Credit Analystcategorysales & Relationship Managementjob Id2025 - 0025448posting Start Date10/24/2025anticipated Posting End Date11/07/2025job Typefull Timejob Available In 2 Locationsminneapolis, MN, United Statesbrea, CA, United States

Credit Analyst 3

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.

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

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.