Structured Finance Analyst

Socket.dev; Saint Paul (MN); On-site; USD 69,285,000 - 92,295,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) plan

Paid vacation

Sick and Safe Leave accruals

Job summary

U.S. Bank seeks a Structured Finance Analyst to support complex trust and structured finance transactions.

You will manage cash and asset activity for trust accounts, ensuring accurate processing and timely settlements while collaborating with internal and external partners to deliver exceptional service to clients. This position suits someone who enjoys financial analysis, problem solving, and precise, detail-oriented work that emphasizes accuracy and client service.

Qualifications

• This role requires an Associate's degree or technical education, or equivalent work experience.
• 2–3 years of related experience is required.
• Knowledge of accounting principles and financial transaction processing.
• Experience interpreting transaction, trust, bond, or distribution documentation.
• Strong analytical and problem-solving skills with attention to detail.

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 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.

Skills

Accounting and financial analysis

Attention to detail

Problem solving

Customer service

Financial calculations

Teamwork/communication

Education

Associate's degree or technical education, or equivalent work experience

Tools

Microsoft Excel

Trust Accounting systems

Bond accounting systems

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

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.

This role requires working from a U.S Bank location three (3) or more days per week.

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:

• 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.

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.