Commercial Real Estate Credit Analyst - Housing Capital

at  US Bank National Association

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 Commercial Real Estate (CRE) Credit Analyst supports Relationship Managers and Portfolio Managers to manage an assigned portfolio of customer relationships for our Housing Capital (HC) Division, also commonly known as Homebuilder Finance. Responsibilities will include but are not limited to:

• Overseeing accurate and consistent financial statements spreads, quarterly trend analyses, quarterly monitoring reports and covenant tests in accordance with bank spreading standards and credit policies
• Analyzing financial data and preparing comprehensive written analyses, analyzing portfolio credit quality and assisting with industry sector reviews
• Assisting Portfolio Managers in preparing and presenting credit requests for Credit Approval
• Maintaining a compliance monitoring and financial statistic database that tracks credit agreement requirements, receipt of customer’s financial reporting requirements, and credit metric trends

BASIC QUALIFICATIONS

• Bachelor’s degree, or equivalent work experience
• Five or more years of experience in a finance/analytical related role

PREFERRED SKILLS/EXPERIENCE

• Experience in Housing Capital/Homebuilder Finance credit analysis
• 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

THE ROLE OFFERS A HYBRID/FLEXIBLE SCHEDULE, WHICH MEANS THERE’S AN IN-OFFICE EXPECTATION OF 3 OR MORE DAYS PER WEEK AND THE FLEXIBILITY TO WORK OUTSIDE THE OFFICE LOCATION FOR THE OTHER DAYS.

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.

The Commercial Real Estate (CRE) Credit Analyst supports Relationship Managers and Portfolio Managers to manage an assigned portfolio of customer relationships for our Housing Capital (HC) Division, also commonly known as Homebuilder Finance. Responsibilities will include but are not limited to:

• Overseeing accurate and consistent financial statements spreads, quarterly trend analyses, quarterly monitoring reports and covenant tests in accordance with bank spreading standards and credit policies
• Analyzing financial data and preparing comprehensive written analyses, analyzing portfolio credit quality and assisting with industry sector reviews
• Assisting Portfolio Managers in preparing and presenting credit requests for Credit Approval
• Maintaining a compliance monitoring and financial statistic database that tracks credit agreement requirements, receipt of customer’s financial reporting requirements, and credit metric trend

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 la