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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in financial statement analysis, credit underwriting, and portfolio management within commercial real estate. Proficient in preparing financial models and reports while effectively communicating insights and trends to stakeholders.
Highest-signal resume keywords
Financial Statement AnalysisCredit UnderwritingPortfolio ManagementMicrosoft ExcelCommercial Real Estate
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial AnalysisCredit Metrics EvaluationFinancial ModelingUnderwriting AnalysisCovenant Compliance TestingTrend AnalysisRisk Rating AssessmentDebt Service Capacity AnalysisLiquidity AnalysisCash Flow Analysis
Soft Skills
Analytical SkillsTechnical WritingVerbal CommunicationTime ManagementProblem-Solving
Tools & Technologies
NCinoFinancial Reporting SystemsPortfolio Monitoring ToolsCompliance Databases
Industry Keywords
Commercial BankingCommercial Real EstateCredit Risk ManagementBorrower Financial ReportingLoan Requests
About the role
Key responsibilities & impact- Analyze borrower and guarantor financial statements to evaluate operating performance, repayment capacity, and key credit metrics
- Prepare written credit analyses and supporting documentation for new loan requests, renewals, modifications, and extensions
- Support risk rating assessments and transaction structuring analyses
- Perform underwriting analysis for commercial real estate transactions under senior underwriting guidance
- Gather, organize, and validate financial and credit information for underwriting recommendations
- Manage and monitor an assigned portfolio of commercial real estate relationships
- Assist with quarterly trend analyses, annual reviews, covenant compliance testing, and monitoring activities
- Track borrower financial reporting requirements and maintain portfolio monitoring tools and compliance databases
- Escalate potential credit concerns or exceptions to senior team members
- Complete financial statement spreading and maintain accurate financial reporting systems
- Analyze borrower performance, liquidity, leverage, cash flow, and debt service capacity
- Prepare financial models and reports supporting underwriting and portfolio management
- Research market, industry, and borrower-specific trends affecting credit quality
- Partner with Relationship Managers, Portfolio Managers, Underwriters, Credit Risk Management, and other partners
- Prepare materials for credit approval and portfolio review discussions
- Input, spread, and analyze borrower financial statements
- Prepare Excel-based financial models and underwriting support analyses
- Support credit approval packages and annual review materials
Requirements
What you’ll need- Bachelor's degree, or equivalent work experience
- More than one year of experience in a finance/analytical related role
- Background in finance, accounting, economics, commercial banking, or commercial real estate
- Foundational knowledge of financial statement analysis and commercial credit principles
- Ability to analyze financial data and identify key trends and risk indicators
- Effective analytical and technical writing skills
- Strong verbal and written communication skills
- Ability to manage multiple priorities and meet deadlines in a fast-paced environment
- Experience working with Microsoft Excel and financial analysis tools
- Familiarity with commercial lending systems such as nCino or similar platforms
- Ability to work independently while appropriately escalating issues and seeking guidance
- Interest in commercial real estate finance and credit underwriting
- Must be able to work from a U.S. Bank location three (3) or more days per week
- 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
Benefits
Comp & perks- 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
- Incentive and recognition programs
- Equity stock purchase
- 401(k) contribution and pension