Credit Analyst – Commercial Real Estate Underwriting

Job Description

2027 Commercial Real Estate Development Program | U.S. Bank

The Tone:
This is a full-time development program at U.S. Bank, located in Los Angeles & Newport Beach. U.S. Bank is dedicated to helping customers and businesses make smarter financial decisions, while fostering growth and success in the communities it serves. This selective program offers a comprehensive foundation in commercial real estate and credit principles. The role is crucial for preparing future leaders for internal opportunities across various departments, including Relationship Management, Capital Markets, Underwriting Management, Technology/Analytics, and Credit.

The TL;DR
• Role: Early Career
• Type: Full-time
• Location: Hybrid – Newport Beach, CA
• Pay: $75905–$89300 yearly
• Team: National CRE Underwriting Team, supporting regional origination offices
• Mission: Gather, analyze, and interpret loan information to accurately assess performance and recommend actions to address risk within the commercial real estate portfolio.
• Tech Stack: Excel, PowerPoint, Microsoft Copilot, AI tools

What You’ll Actually Do
• Analysis: Conduct analysis of financial statements and credit requests, providing recommendations tied to analysis and assessment of credit risk.
• Underwriting: Underwrite new business opportunities for credit approval, including project, market, and sponsor financial analysis, structuring of loan terms, and risk evaluation.
• Portfolio Monitoring: Monitor existing loan portfolios, performing market analysis, covenant compliance tracking, and ongoing assessment of risk factors that may affect a project’s or client’s risk profile.
• Compliance: Measure, monitor, and test a wide variety of financial covenants as specified within credit approval documents, accurately inputting monitoring requirements into a standard compliance monitoring system.
• Reporting: Analyze financial statement results and prepare reports to communicate financial performance and trends with Portfolio Managers, Relationship Managers, and/or Credit Administration.

The Must-Haves
• Background: Bachelor’s degree completed in December 2026 or spring 2027, with a basic understanding of Financial/Accounting terms, concepts, and applications.
• Experience: Ability to start the development program on July 12, 2027.
• Skills: Strong written and verbal communication skills, well-developed analytical skills, and acute attention to detail.
• Bonus: Preferred GPA of 3.0 or above, and experience with or exposure to Microsoft Copilot or other artificial intelligence (AI) tools with an interest in applying technology to enhance productivity, decision-making, and client-focused outcomes.