U.S. Bank · 21 hours ago
Regional Credit Approval Officer
Charlotte, NC
Full-time
Onsite
Senior Level, Lead/Staff
$186K/yr - $219K/yr
15+ years expU.S. Bank is on a journey to help customers and businesses make better financial decisions. The Regional Credit Approval Officer will assess and manage the credit risk of commercial real estate lending transactions while collaborating with various stakeholders to ensure compliance with bank policies and regulations.
BankingFinancial ServicesInsuranceMortgageWealth Management
Responsibilities
Serve as a trusted advisor to the Eastern Commercial Real Estate market(s) to which you are assigned
Use professional experience and expertise to prudently evaluate creditworthiness of borrowers and assess collateral/credit adequacy at all stages of a loan from initial consideration to approval to on-going administration
Provide constructive and proactive feedback and recommendations to the supported Commercial Real Estate teams to improve transaction structuring, analysis, and administration to mitigate risk and improve credit quality
Develop and maintain strong knowledge of the assigned loan portfolios and conduct periodic portfolio reviews to identify potential risks, ensure accurate risk rating, and ensure compliance with loan covenants. Immediately elevate concerns and deteriorating credits to the assigned Senior Credit Approval Officer
Become an expert on applicable bank policies and procedures, proactively recommending suitable enhancements and revisions
Qualification
Required
Bachelor's or advanced degree in business, finance, real estate, accounting, or related field
Typically 15+ years' commercial real estate lending experience, ideally at a regional, super-regional, or money-center bank; prior credit approval experience desired
Preferred
Strong knowledge of commercial real estate product types and market trends
Prior experience with construction loans, institutional clients, commercial real estate capital markets, complex structures, and non-recourse lending is preferred
Refined experience with financial analysis and credit risk assessment
Must be willing to take a leadership role, clearly articulate opinions, and participate in the development of junior team members within the platform
Excellent written and verbal communication skills
Strong attention to detail and ability to work independently
Ability to multitask and prioritize in a fast-paced environment
Desire to grow and potentially work on multiple portfolios simultaneously
Willingness to travel to conduct property inspections and meet with customers and prospects
Proficient computer skills including Microsoft Office applications
Benefits
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
Company
U.S. Bank
At U.S.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$991MKey Investors
U.S. Department of the TreasuryMitsubishi UFJ Financial Group
2023-09-29Post Ipo Debt· $55M
2023-08-03Post Ipo Debt· $936M
1978-01-13IPO
Leadership Team
John C Stern
CFO
Shruti Patel
Executive Vice President & GM, CPO- Business Banking segment
Recent News
2026-01-22
2026-01-20
2026-01-20
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