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U.S. Bank Regional Credit Approval Officer - Middle Market Commercial Real Estate in Milwaukee, Wisconsin

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 within a designated market(s), 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 assigned Middle Market Commercial Real Estate market(s).

  • Use professional experience and expertise to prudently evaluate creditworthiness of borrowers and assess collateral/credit adequacy at all stages of a loan from initial review and consideration to approval to on-going administration.

  • Provide constructive and proactive feedback and recommendations to the supported Middle Market Commercial Real Estate market(s) to improve transaction structuring, analysis, and administration to mitigate risk and improve credit quality.

  • Develop and maintain strong knowledge of the assigned loan portfolio(s) 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.


  • Bachelor’s or advanced degree in business, finance, real estate, accounting or related field.

  • Typically 12+ years commercial real estate lending experience, ideally at a regional, super-regional, or money-center bank; minimum 5 years of prior credit approval experience desired.

  • Strong knowledge of commercial real estate product types and market trends.

  • Refined experience with financial analysis and credit risk assessment.

  • 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.

  • 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 disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Learn how the way we work at U.S. Bank (https://assets.phenompeople.com/CareerConnectResources/prod/UBNAGLOBAL/documents/Thewaywework-1666895142717.pdf) drives meaningful relationships with our customers and collaboration across the company.


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 (some may vary based on role, location or hours):

  • 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

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2022-10/EEOC_KnowYourRights_screen_reader_10_20.pdf) EEO poster.


U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .