Credit Analyst Credit Analyst …

U.S. Bancorp
in Charlotte, NC, United States
Permanent, Full time
Be the first to apply
U.S. Bancorp
in Charlotte, NC, United States
Permanent, Full time
Be the first to apply
Credit Analyst
Campus - Undergraduate Credit Analyst - Commercial Real Estate (Charlotte, NC)

U.S. Bank is looking for emerging talent from undergraduate campuses ready to jumpstart their career with us. This position has been identified for a start date of June 2020.

Why U.S. Bank?

Headquartered in Minneapolis, with a presence across the globe, were passionate about helping customers and the communities where we live and work. As the fifth-largest bank in the United States, we are one of the country's most respected, innovative and successful financial institutions. Were committed to doing the right thing, making smart changes and collaborating for the good of our customers, communities and other stakeholders and especially for the good of one another (weve been recognized by the Ethisphere Institute as a 2019 World's Most Ethical Company® for five years running). At U.S. Bank, youll be empowered with the tools you need to succeed in your role and grow your career.

Explore your career possibilities at U.S. Bank and join a company thats as passionate as you are about helping our customers meet their goals and making a difference in the communities we live and work. Our industry-leading financial performance, innovative spirit and best-in-class reputation empower employees to succeed. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce.

Commercial Real Estate Credit AnalystTraining Program Overview:

U.S.Bank is the 4th largest commercial real estate bank lender in theUnited States with $42 billion in loan commitments related to a wide spectrumof property types and clients from private developers to institutional funds,REITs and public companies.  Our Commercial RealEstate department (CRE) offers a diverse array of financing solutions includingconstruction, bridge and non recourse term debt, subscription and warehouselines of credit. 

CRE is recruiting for its next Credit Analystclass to join the National Underwriting Team. This selective program willprovide an excellent foundation in commercial real estate and credit principlesas Analysts gather, analyze and interpret information on prospective loans, aswell as review existing loans to identify, evaluate and recommend action tominimize risk. The role prepares candidates for internal opportunities inRelationship Management, Capital Markets, Underwriting Management, and Credit.  CREsCredit Analyst Training Program offers the following advantages in a highlycollaborative and fast paced work environment.

Impact: Real world training with multimillion dollarCRE loans

  • Responsibilityover an assigned loan portfolio within weeks

    Contribute: Participate in credit committee meetings

  • Credit Analyst isa key member of each deal team

    Exposure: Client interaction / Property tours

  • Opportunities to meetwith clients, tour projects & markets

    Variety: Gain broad based CRE and finance experience

  • Exposure to awide spectrum of clients, markets, property types & loan structures

Responsibilities Include: 

CRECredit Analysts will be responsible for underwriting new business opportunitiesand loan portfolio monitoring by assisting Relationship Managers and PortfolioManagers in two primary areas:

  1. Originationof CRE loans: The preparation of new businessopportunities for credit approval including project, market and sponsorfinancial analysis, structuring of loan terms and risk evaluation.

  2. Monitoringof CRE loans: Ongoing portfolio management of existing loans including market analysis, covenant compliancetracking, collection and analysis of financial statements, problem loanreporting, and ongoing assessment of risk factors which may affect a projectsand/or clients risk profile.

Basic Qualifications

  • Bachelor's degree, or equivalent work experience

  • Three to five years of credit and/or sales experience in the financial services industry

Preferred Qualifications

  • Strong sales and relationship management skills

  • Thorough understanding of credit and collateral requirements

  • Strong analytical and problem-solving skills

  • Excellent presentation, verbal and written communication skills

  • Position to be filled in June 2020

  • Preferred May/June 2020 grads

Primary Location: North Carolina
Work Locations:
Job: Relationship Management
Organization: U.S. Bank.
Shift: 1st - Daytime