2027 Commercial Real Estate Development Program

Commercial Real Estate Credit Analyst

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 atall from Day One.

Our Commercial Real Estate (CRE) team 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:

• 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.

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:

• 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: $75,905.00 - $89,300.00

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.