Job DescriptionOur Commercial Real Estate team Commercial Real Estate (CRE) is recruiting for its next Credit Analyst class to join the National CRE Underwriting Team. This selective program provides a diverse foundation in commercial real estate and credit principles. Analysts gather, analyze, and interpret loan information to assess performance and recommend actions to address risk. The program offers a collaborative and fast-paced environment while preparing candidates for internal opportunities in Relationship Management, Capital Markets, Underwriting Management, Technology / Analytics, and Credit.
Credit analysts are located in seven regional underwriting offices supporting approximately 30 origination offices throughout the country. U.S. Bank's Commercial Real Estate platform is one of the largest in the United States. We deliver a comprehensive set of financing solutions to institutional, public, and private commercial real estate investors, including lines of credit (working capital, subscription, repurchase) and project debt (construction, bridge, term) to acquire, construct or rehab property types including multifamily, industrial, office, retail and more.
What you'll do Conduct analysis of financial statements and assessment of credit requests, providing recommendations tied to analysis and assessment of credit risk. Over the course of our 3-year program, you will receive accelerated learning and skill development through a mix of formal training, mentorship, and a community of peers and advisors.
As a CRE Analyst, you'll: - Underwrite new business opportunities for credit approval, including project, market, and sponsor financial analysis, structuring of loan terms, and risk evaluation.
- Monitor existing loan portfolios, including market analysis, covenant compliance tracking, collection and analysis of financial statements, problem loan reporting, and ongoing assessment of risk factors that may affect a project's and/or client's risk profile.
- Measure, monitor, and test a wide variety of financial covenants as specified within credit approval documents
- Read and interpret relevant credit approval requirements to accurately input monitoring requirements and covenants into a standard compliance monitoring system
- Analyze financial statement results and prepare reports to communicate financial performance and trends with Portfolio Managers, Relationship Managers, and/or Credit Administration
- Interact with clients as appropriate; attend meetings or calls with companies in the supported portfolio
- Develop technical and business acumen through training, mentorship, and exposure to senior executives
- Build a supportive community of peers through a variety of cohort strengthening activities such as social events, volunteer days, and development workshops
- Utilize AI-enabled tools, including Microsoft Copilot, to support financial analysis, market research, portfolio monitoring, and preparation of credit-related materials while applying appropriate professional judgment and risk discipline.
Who we're looking for We're looking for talent with demonstrated leadership capabilities, strong work ethic and intellectual curiosity.
Locations: Charlotte, Denver, Los Angeles, Minneapolis, New York
Basic qualifications: - Bachelor's degree completed in December 2026 or spring 2027.
- Basic understanding of Financial/Accounting terms, concepts, and applications
- Ability to start development program on July 12, 2027
Preferred qualifications: - Preferred GPA of 3.0 or above
- Strong written and verbal communication skills
- Well-developed analytical skills
- Acute attention to detail
- Ability to work well under pressure and time constraints
- Ability to work equally well in a team environment and independently, exhibiting initiative, ownership, and flexibility
- Effective oral and written communication skills
- Proficient in Excel and PowerPoint
- Experience with or exposure to Microsoft Copilot or other artificial intelligence (AI) tools and an interest in applying technology to enhance productivity, decision-making, and client-focused outcomes.
Working model and hours: This role is hybrid. Team members who are in a hybrid role typically spend three days a week at the listed U.S. Bank location(s), while having flexibility on their work location for the other working days.
Development program members work approximately 40-hours each week in this fulltime role.
The application process If you are interested in applying and learning more, click on the Apply Now icon to submit your application.
Posting may be closed earlier due to high volume of 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.
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: $75,905.00 - $89,300.00
