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Credit Analyst

The Credit Analyst is responsible for performing financial analysis, credit monitoring, and portfolio management activities in accordance with bank credit policies and underwriting standards within the Internal Asset Review (IAR) group. The analyst plays a key role in maintaining credit quality, supporting credit approval requests, and ensuring ongoing compliance through accurate reporting and documentation. The portfolio primarily consists of stabilized multifamily assets, typically below $25 million, located in Tier 1 markets including Los Angeles, San Diego, San Francisco, Portland, Seattle, and New York.

Key Responsibilities

Credit Analysis & Underwriting Support

• Oversee accurate and consistent spreading of borrower financial statements in accordance with bank spreading standards and credit policies.
• Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing.
• Analyze financial data and prepare clear, comprehensive written credit analyses.
• Review annual credit files, including validating and adjusting financial spreads
• Complete ancillary credit modules such as risk rating and QTR

Portfolio Management & Monitoring

• Manage quarterly monitoring for loans over $10MM and annual monitoring for most loans.
• Monitor portfolio credit quality and assist with industry and sector reviews.
• Track and monitor problem credits through the PCMR system, including quarterly reviews of watch-listed credits.
• Conduct covenant testing to ensure compliance with credit agreements.
• Perform limited sponsor reviews for select relationships above defined thresholds.

Client & Internal Partner Interaction

• Contact clients for clarification or additional financial information as needed.
• Address unique credit situations, including asset ownership changes and borrower or guarantor changes, and support related client communications.

Reporting, Compliance & Data Management

• Maintain a compliance monitoring and financial statistics database tracking:
• Credit agreement requirements
• Receipt of required borrower financial reporting
• Key credit metrics and trend data
• Ensure accuracy, consistency, and completeness of credit documentation to meet audit and regulatory requirements.
• Manage a high volume of work while maintaining strong attention to detail.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Up to one year of experience in a finance, analytical, or related role

Preferred Skills & Experience

• Educational background in economics, accounting, or finance, with the ability to apply concepts to credit and lending analysis.
• Strong analytical and critical-thinking skills, with the ability to synthesize financial information into clear, well-supported conclusions
• Effective technical and analytical report-writing skills
• Clear, professional verbal and written communication skills, including comfort communicating by phone with internal partners and clients when needed
• Intermediate Excel skills required; familiarity with the Microsoft Office Suite expected
• Strong organizational, multitasking, and time-management skills to effectively manage a high volume of credit reviews
• High attention to detail, with a focus on accuracy and completeness
• Ability to perform effectively in a fast-paced, high-volume environment
• Coachable mindset with a strong desire to learn and grow in credit analysis and portfolio management

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

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.

Pay Range: $75,905.00 - $89,300.00