CRE Senior UW

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

Supports the Commercial Real Estate platform’s Relationship Managers, Portfolio Managers, and Credit partners to manage an assigned portfolio of customer relationships. Responsibilities will include but are not limited to: Underwriting new lending opportunities; assisting in the preparation and presentation of credit requests for Credit Approval. Overseeing accurate and consistent cash flow modeling; quarterly trend analyses and monitoring reports; and covenant tests in accordance with bank standards.  Analyzing financial data for Commercial Real Estate properties and Sponsors; analyzing portfolio credit quality and conducting market research. Preparing comprehensive written analyses.  

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Seven to ten years of commercial lending experience

Preferred Skills/Experience

- Background in commercial real estate, economics, accounting, and/or finance.  Ability to interpret financial information and market data and apply knowledge to commercial real estate lending and overall business environment

- Ability to work independently performing financial analyses (CRE cash flow modeling; collateral valuation; covenant sensitivities; market research; Sponsor Analyses; Market Research) and significant understanding of relevant metrics for new requests, material modifications, and ongoing credit monitoring activities

- Ability to execute credit requests for existing clients, author credit analyses and collaborate with Relationship Managers and Credit Approvers within the Commercial Real Estate group

- Proactive identification and communication of key risks, mitigants and other potential issues at the project and portfolio level

- Experience participating in the preparation and negotiation of term sheets.

- Effective verbal and written communication skills, including competent analytical and technical report writing skills

- Ability to participate in client bank meetings when necessary

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 (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.

The salary range refle