Regional Credit Approval Officer

Regional Credit Approval Officer page is loaded## Regional Credit Approval Officer locations:
Charlotte, NC:
Chicago, IL:
Minneapolis, MNtime type:
Full time posted on:
Posted Todaytime left to apply:
End Date:
February 4, 2026 (12 days left to apply) job requisition :
At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.##
** Job Description
** As a Regional Credit Approval Officer, you will be responsible for assessing and managing the credit risk of commercial real estate lending transactions, working closely and collaboratively with Relationship Managers, Portfolio Managers, and all other stakeholders to ensure that credit decisions comply with bank policies, procedures, our Risk Appetite Statements and applicable industry rules and regulations.
* 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
*
* Basic Qualifications:

*** 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

Skills and Experience:

*** 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

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our .
** Benefits:
** Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:
* 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…