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 DescriptionU.S. Bank is seeking an experienced Commercial Lending Attorney with experience in Uniform Commercial Code and real estate secured lending transactions to join the commercial lending legal team. This attorney will support business banking in the Consumer and Business Banking business line, as well as commercial lending operations, risk functions, and internal commercial loan documentation. The attorney will work strategically with relationship managers and support staff at U.S. Bank, as well as outside counsel. Preferred candidates will be experienced in drafting commercial loan documentation, commercial real estate lending, the Uniform Commercial Code, organizational structures involved in commercial lending, and due diligence required for closing commercial loans. The successful candidate will join a dynamic, diverse, and collaborative team of legal professionals supporting all of U.S. Bank’s commercial lending activities.
Successful candidates for positions in the U.S. Bank Law Division consistently provide excellent advice and guidance to clients and colleagues on a variety of legal matters. They build trusting relationships that allow the business to make well-informed decisions. Meaningful collaboration and investment in the development of the Law Division are expected from successful candidates.
Key Responsibilities
- Provide legal advice to commercial lending business lines on commercial loan transactions, including complex real estate and title issues, UCC reviews, and legal documentation.
- Draft and review loan documents for use in internal commercial loan documentation systems.
- Research legal issues under federal and all states’ laws.
- Solve legal challenges in an efficient manner, including problem solving on specific transactions, revising internal procedures, and advising on changes to legal requirements related to commercial lending.
- Advise on loan defaults or loan dispute resolutions issues.
- Stay informed of relevant market, legal and regulatory developments.
- Train business units regarding real estate issues, UCC issues, and other legal challenges in commercial lending.
- Become familiar with and provide guidance on relevant U.S. Bank policies and procedures.
Basic Qualifications
- Licensed by and in good standing with the appropriate state bar association or other appropriate state attorney licensing authority
Preferred Skills/Experience
- A minimum of 3-5 years’ experience practicing law, including law firm experience leading commercial loan transactions and/or in-house experience at a regulated financial institution.
- Strong and demonstrated knowledge of commercial lending transactions.
- Experience with real estate secured commercial lending transactions, including loan document drafting, negotiating, title reviews, and problem solving, as well as strong experience with the Uniform Commercial Code.
- Strong drafting, negotiating, issue-spotting and risk identification skills.
- Exceptional written and verbal communication skills with both legal and business audiences.
- Demonstrated ability to work both independently and collaboratively and to set priorities and exercise judgment in a fast-paced and dynamic environment.
- Ability to collaborate confidently and effectively with a diverse range of stakeholders.
- Demonstrated ability to develop trusting relationships with internal clients, outside counsel, and other internal stakeholders such as credit, operations, and risk functions.
- Juris Doctor from an ABA accredited institution.
- Admitted to State Bar in good standing.
- Experience with healthcare, agricultural, and franchise lending.
- Familiarity with banking regulations, such as Regulation B.
- Familiarity with SBA guaranteed lending.
- Familiarity with dispute resolution in commercial lending and real estate transactions, including eminent domain and mechanics’ liens.
- Experience with process improvements and incorporation of technology solutions into legacy legal processes.
Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.
We are proud that U.S. Bank has been recognized as a World’s Most Ethical Company® by the Ethisphere Institute and has been named the #1 Most Admired Superregional Bank by Fortune magazine.
Successful candidates for a position in the U.S. Bank Law Division support U.S. Bank’s core values, which guide what we do every day:
- We do the right thing.
- We power potential.
- We stay a step ahead.
- We draw strength from diversity.
- We put people first.
In the U.S. Bank Law Division, we honor those values through our mission: “we guide our clients to remarkable results with expert legal counsel and ethical leadership.” Our commitment is evident in the work we do, not only for the Bank, but for our communities. The Law Division has received several awards for its pro bono contributions, including the Minnesota Corporate Pro Bono Council’s “Excellence in Pro Bono Award,” and we encourage our legal professionals to contribute time and expertise to pro bono work as part of their role. In addition, the Law Division has been recognized for its leadership and engagement in Diversity, Equity, and Inclusion initiatives.
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.
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 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
Review our full benefits available by employment status here.
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
E-Verify
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.
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $133,365.00 - $156,900.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
Skills Required
- Licensed by and in good standing with the appropriate state bar association or other appropriate state attorney licensing authority
- Admitted to State Bar in good standing
- Juris Doctor from an ABA accredited institution
- Minimum of 3-5 years' experience practicing law, including law firm experience leading commercial loan transactions and/or in-house at a regulated financial institution
- Strong knowledge of commercial lending transactions, including drafting, negotiating, issue-spotting, and risk identification
- Experience with real estate secured commercial lending transactions, including loan document drafting, negotiating, and title reviews
- Experience with the Uniform Commercial Code (UCC) and related due diligence
- Experience with healthcare, agricultural, and franchise lending
- Familiarity with banking regulations (e.g., Regulation B) and SBA guaranteed lending
- Familiarity with dispute resolution in commercial lending and real estate (including eminent domain and mechanics' liens)
- Experience with process improvements and incorporation of technology solutions into legacy legal processes
- Exceptional written and verbal communication skills and ability to collaborate with credit, operations, risk, and outside counsel
US Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about US Bank and has not been reviewed or approved by US Bank.
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Retirement Support — The package pairs a pension with a matched 401(k), strengthening long‑term financial security. Retirement programs and other financial safeguards are presented as comprehensive.
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Leave & Time Off Breadth — Paid vacation, sick time, numerous holidays, and dedicated volunteer hours provide meaningful time away. Additional time off with tenure and options to expand PTO bolster flexibility.
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Healthcare Strength — Medical, dental, and vision coverage with HSA/FSA options and wellness resources are described as robust. Health insurance is characterized as top‑notch in multiple descriptions.
US Bank Insights
What We Do
We believe in putting people first, and our dedication to making ethical decisions and doing the right thing is at the heart of what we do. We're proud to be named by Ethisphere as a 2018 World's Most Ethical Company.
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