Commercial Real Estate Senior Credit Analyst

Company: U.S. Bank
Location: Los Angeles
Posted on: April 1, 2026

Job Description:

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 This role has multiple levels, open to candidates with 3 years of experience in a finance/analytical related role. The successful candidate will be hired for the level of the position that aligns with their experience. Please note that the salary range provided corresponds to the lowest level of the position posted. The Commercial Real Estate Credit Analyst supports Relationship Managers and Portfolio Managers in managing an assigned portfolio of commercial real estate client relationships. This role is responsible for financial analysis, credit monitoring, underwriting support, and portfolio reviews while ensuring compliance with bank credit policies and underwriting standards. The analyst plays a critical role in assessing credit risk, supporting credit approval requests, and maintaining the overall credit quality of a complex and diverse CRE portfolio. The role sits within the Commercial Real Estate (CRE) group covering institutional clients based in the Western U.S. The team underwrites all major commercial property types, including apartments, office, industrial, retail, lodging, data centers, self storage, and life science properties, but excluding single family homes. Key Responsibilities Support Relationship Managers and Portfolio Managers in managing an assigned portfolio of commercial real estate relationships Oversee accurate and consistent spreading of borrower and guarantor financial statements in accordance with bank standards and credit policies Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing Analyze financial data and prepare clear, comprehensive written credit analyses Assess portfolio credit quality and assist with industry and sector reviews Support Relationship Managers in preparing, underwriting, and presenting credit requests for approval Maintain compliance monitoring and financial reporting databases, including tracking credit agreement requirements, receipt of borrower financials, and credit metric trends Participate in quarterly portfolio reviews, including analysis of operating statements, rent rolls, and risk assessments for an assigned portfolio of credits. Support both existing property transactions (including refinancings) and ground?up construction projects, including monitoring project budgets and reviewing monthly construction draws through project completion Assist with new deal originations, evaluating opportunities with transaction sizes typically ranging from $50 million to $100 million Support annual company?wide credit reviews for clients with multiple property holdings, including analysis beyond the properties financed by the bank Participate in client meetings and/or site visits, as available, to support underwriting, portfolio management, and risk discussions Basic Qualifications - Bachelor's degree, or equivalent work experience - Three to five years of experience in a finance/analytical related role Preferred Skills/Experience - Strong financial analysis and credit underwriting skills within a commercial real estate context; banking experience is highly desired - Effective analytical and technical report?writing skills - Strong verbal and written communication skills, with the ability to clearly present findings and risk considerations - Ability to work independently, performing financial analyses as a first line of defense and escalating potential issues appropriately - Experience executing straightforward credit requests for existing clients and authoring credit analyses - Ability to collaborate effectively with Credit Approvers and internal risk partners - Comfort independently participating in client bank meetings, when necessary - Familiarity with banking policies and commercial real estate underwriting processes - Strong proficiency in Microsoft Office Suite, particularly Excel - Experience with nCino and CoStar preferred Location expectations This role requires working from a U.S. Bank location three (3) or more days per week. 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: 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 Review our full benefits available by employment status here . 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 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: $98,345.00 - $115,700.00 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.

Keywords: U.S. Bank, Carson , Commercial Real Estate Senior Credit Analyst, Accounting, Auditing , Los Angeles, California