Portfolio Analyst – Financial Analysis

Job Description

Credit Analyst 2 – Commercial Real Estate Housing Capital | U.S. Bank

The Tone:
This is a full-time role at U.S. Bank. At U.S. Bank, the journey is to help customers and businesses make better and smarter financial decisions, and to enable communities to grow and succeed. This role is crucial for supporting Relationship Managers and Portfolio Managers in managing an assigned portfolio of customer relationships. The Credit Analyst 2 contributes directly to maintaining accurate financial data, analyzing credit quality, and ensuring compliance, which underpins sound lending and business practices from Day One.

The TL;DR
• Role: Full Time
• Type: Full-time
• Pay: $86530–$101800 yearly
• Team: Supports Relationship Managers and Portfolio Managers
• Mission: To support the management of customer relationships by ensuring accurate financial analysis, monitoring credit quality, and maintaining compliance.

What You’ll Actually Do
• Financial Statement Management: Oversee the creation and consistency of financial statements spreads, quarterly trend analyses, quarterly monitoring reports, and covenant tests, adhering to bank spreading standards and credit policies.
• Financial Analysis & Reporting: Analyze detailed financial data and prepare comprehensive written analyses, providing critical insights into customer financial health and performance.
• Portfolio and Industry Review: Conduct analyses of portfolio credit quality and provide assistance with industry sector reviews, contributing to a broader understanding of market risks and opportunities.
• Credit Request Preparation: Assist Portfolio Managers in preparing and presenting credit requests for Credit Approval, ensuring all necessary information is compiled accurately and effectively.
• Database Management: Maintain a robust compliance monitoring and financial statistic database, tracking credit agreement requirements, receipt of customer’s financial reporting requirements, and credit metric trends to ensure ongoing adherence.

The Must-Haves
• Background: Bachelor’s degree, or equivalent work experience, with a background in economics, accounting, and/or finance.
• Experience: One to three years of experience in a finance/analytical related role.
• Skills: Effective analytical skills, effective technical report writing skills, effective verbal and written communication skills, and the ability to work independently performing financial analyses.
• Bonus: Ability to apply knowledge in economics, accounting, and/or finance to understand the overall lending and business environment, and the ability to communicate potential issues while acting as a first line of defense.