Hybrid Credit Analyst

at U.S. Bank

• Job title: Credit Analyst
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: $92,820 - $109,200 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Minneapolis, United States

About the role

• Credit Analyst responsible for underwriting and managing commercial real estate term loans for high-net-worth clients in Wealth Management. Engage with clients while ensuring compliance and supporting growth opportunities.

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.

Requirements

• Bachelor's degree, or equivalent work experience
• Three to five years of experience in a finance/analytical related role
• 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

Benefits

• 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