Structured Finance Analyst

U.S. Bank; Saint Paul (MN); On-site; USD 69,285,000 - 92,295,000; Full time

Benefits offered by this job

Healthcare benefits

Life insurance

Disability

Job summary

U.S. Bank is seeking a Structured Finance Analyst to support complex trust and structured finance transactions, manage cash and asset activity for trust accounts, ensure accurate processing, and work with internal and external partners to deliver exceptional service to clients.

This role suits someone who enjoys financial analysis, problem solving, and a detail-oriented environment where accuracy and client service are essential.

Qualifications

• Associate's degree or technical education or equivalent work experience.
• 2–3 years of related experience.
• Role requires working from a U.S Bank location 3+ days per week.

Responsibilities

• Manage cash and asset activity for a portfolio of trust accounts.
• Monitor account balances, overdrafts, and uninvested cash positions.
• Process funding transactions and disbursements per governing documents.
• Review transaction documentation to determine timing and movement of funds/assets.
• Prepare trust accounting system entries and support daily account administration.
• Partner with internal teams to ensure controls, legal requirements, and client expectations are met.
• Research and resolve account inquiries, exceptions, and transaction issues.
• Contribute to process improvements that enhance accuracy and client service.

Skills

Analytical skills

Attention to detail

Customer service

Relationship management

Excel

Financial analysis

Education

Associate degree or technical education

Tools

Microsoft Excel

Job description

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 Structured Finance Analyst, you'll play a critical role in supporting complex trust and structured finance transactions. You'll help manage cash and asset activity for trust accounts, ensure transactions are processed accurately and on time, and work with internal and external partners to deliver exceptional service to our clients. This is an excellent opportunity for someone who enjoys financial analysis, problem solving, and working in a detail-oriented environment where accuracy and client service are essential.

What You’ll Do

• Manage cash and asset activity for a portfolio of trust accounts.
• Monitor account balances, overdrafts, and uninvested cash positions.
• Process funding transactions and disbursements in accordance with governing trust and bond documents.
• Review transaction documentation to determine the timing and movement of funds and assets.
• Prepare trust accounting system entries and support daily account administration activities.
• Partner with internal teams to ensure operational controls, legal requirements, and client expectations are met.
• Research and resolve account inquiries, exceptions, and transaction issues.
• Contribute to process improvements that enhance accuracy, efficiency, and client service.

Basic Qualifications

• Associate's degree or technical education, or equivalent work experience
• Two to three years of related experience
• This role requires working from a U.S Bank location three (3) or more days per week.

Preferred Qualifications

• Knowledge of accounting principles and financial transaction processing.
• Experience interpreting transaction, trust, bond, or distribution documentation.
• Strong analytical and problem-solving skills with exceptional attention to detail.
• Ability to calculate percentages, ratios, and financial allocations.
• Strong customer service and relationship management skills.
• Advanced proficiency with Microsoft Excel and other business applications.
• Experience with Trust Accounting, Bond Accounting, or related financial systems is preferred.

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
• Review our full benefits available by employment status here.

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: $24.18 - $32.21

U.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.

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.

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.

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.

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.