FREE ACCESS
5,000–10,000 jobs/day
See all jobs on Scoutfield
Search thousands of fresh jobs every day.
Discover
- Fresh listings
- Fast filters
- No subscription required
Create a free account and start exploring right away.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Commercial Real Estate (CRE) underwriting, including cash flow analysis, property valuation, and covenant compliance. Proficient in preparing credit analyses and collaborating with various stakeholders to manage client portfolios effectively.
Highest-signal resume keywords
Commercial Real Estate UnderwritingCredit Analysis and DocumentationFinancial Statement SpreadingMicrosoft Excel ProficiencyCollaboration with Relationship Managers
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Cash Flow AnalysisProperty ValuationCovenant ComplianceCredit Memoranda AuthoringRisk AssessmentTrend AnalysisFinancial ReportingConstruction Project MonitoringPortfolio ManagementLoan Documentation Concepts
Soft Skills
Analytical SkillsTechnical Writing SkillsVerbal Communication SkillsWritten Communication SkillsCollaboration Skills
Tools & Technologies
NCinoCoStarMicrosoft Office Suite
Industry Keywords
Commercial LendingCRE Asset ClassesCredit RiskBanking Credit PolicyEthics and Business Conduct
About the role
Key responsibilities & impact- Underwrite new originations and portfolio exposures across a broad range of commercial real estate asset classes
- Analyze borrower financials, property cash flows, collateral valuation, sponsor strength, covenant sensitivities, and market conditions
- Prepare comprehensive written credit analyses and supporting documentation
- Execute straightforward credit requests for existing clients with limited supervision
- Assist with annual company-wide credit reviews for clients with multiple property holdings
- Support existing-property transactions, refinancings, and ground-up construction projects
- Monitor budgets and review monthly construction draws through project completion
- Assist with new deal originations involving typical transaction sizes of $50MM–$100MM and select transactions up to $750MM
- Participate in preparation and negotiation of term sheets
- Support Relationship Managers and Portfolio Managers in managing an assigned CRE client portfolio
- Spread borrower financial statements according to bank standards and credit policies
- Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing
- Maintain compliance-monitoring and financial-reporting databases
- Participate in quarterly portfolio reviews, including analysis of operating statements, rent rolls, and risk assessments
- Identify and communicate emerging risks, mitigants, and transaction- and portfolio-level issues
- Collaborate with Credit Approvers and internal risk partners
- Participate in client bank meetings as needed
- Serve as a first line of credit analysis and escalate issues appropriately
Requirements
What you’ll need- Bachelor's degree, or equivalent work experience
- Five or more years of commercial lending experience
- Strong foundation in CRE underwriting across multiple property types, including cash flow, valuation, sponsor analysis, structure, and covenants
- Experience authoring credit memoranda and presenting key risks, mitigants, and recommendations to approval committees
- Strong analytical and technical writing skills
- Strong verbal and written communication skills
- Ability to collaborate across origination, portfolio management, credit risk, and technical advisors
- Ability to independently drive analyses while partnering with Relationship Managers, Portfolio Managers, and Credit Approvers
- Familiarity with banking credit policy, loan documentation concepts, and CRE underwriting processes, including construction, bridge, term, and portfolio facilities
- Advanced proficiency in Microsoft Excel and the broader Microsoft Office Suite
- Experience with nCino, CoStar, and/or other CRE platforms preferred
- Ability to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and workplace conduct and safety policies
- Ability to comply with applicable employment eligibility verification and background-check requirements
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