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U.S. Bank

CRE Credit Analyst – Homebuilder Finance

U.S. Bank

. Support the Commercial Real Estate (CRE) homebuilder finance business .

Posted 4/28/2026full-timeNewport Beach • California, North Carolina • 🇺🇸 United StatesMid-LevelSenior💰 $98,345 - $115,700 per yearWebsite

About the role

Key responsibilities & impact
  • Support the Commercial Real Estate (CRE) homebuilder finance business
  • Underwrite and manage credit exposure for privately held homebuilders and housing capital sponsors
  • Partner with origination and portfolio management teams
  • Oversee accurate and consistent financial statement spreading
  • Prepare quarterly trend analyses and monitoring reports
  • Perform covenant testing and ensure compliance with bank credit policies and spreading standards
  • Analyze financial data and prepare comprehensive written credit analyses
  • Evaluate portfolio credit quality and risk ratings
  • Support industry and sector reviews
  • Collaborate with internal stakeholders to prepare and present credit requests for approval
  • Maintain compliance monitoring and financial reporting databases to track credit agreement requirements, borrower financial reporting, covenant compliance, and key credit metrics

Requirements

What you’ll need
  • Bachelor’s degree, or equivalent work experience
  • Three to five years of experience in a finance / analytical-related role
  • Background in economics, accounting, and/or finance with the ability to apply that knowledge to lending and credit risk analysis
  • Experience supporting commercial or corporate banking portfolios, underwriting, or credit analysis
  • Strong financial analysis skills, including covenant testing, credit modeling, and trend analysis
  • Ability to prepare clear, well-structured written credit analyses and technical reports
  • Strong verbal and written communication skills with the ability to communicate risk and issues effectively to internal partners
  • Ability to independently execute straightforward credit requests for new and existing clients and collaborate with Credit Approvers
  • Proficiency in Microsoft Office, particularly Excel
  • Experience using AI is a plus

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

ATS Keywords

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Hard Skills & Tools
financial analysiscovenant testingcredit modelingtrend analysiscredit analysisportfolio credit quality evaluationrisk ratings evaluation
Soft Skills
strong verbal communicationstrong written communicationcollaborationindependent executionability to communicate risk effectively
Certifications
Bachelor’s degree