Job Description

At U.S. Bank, we\xe2\x80\x99re 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\xe2\x80\x94all from Day One.



Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

Reviews comprehensive loan packages in order to identify, evaluate and determine the appropriate course of action in order to maximize credit quality and minimize risk and ensure compliance with SBA program requirements.

**This role is hybrid anywhere within the U.S. Bank footprint. Team members who are in a hybrid role typically spend three days a week at a U.S. Bank location, while having flexibility on their work location for the other working days.

Basic Qualifications
- Bachelor\xe2\x80\x99s degree, or equivalent work experience
- Four or more years of relevant experience

Preferred Skills/Experience

- Three to five years of experience in credit analysis and/or lending activities.

- SBA or small business underwriting experience

- Credit analysis and analytical skills
- Knowledge of credit administration, policy and procedures
- Knowledge of economics, accounting, and finance
- Knowledge of risk analysis
- Technical report writing skills
- Strong verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages

- Ability to work and problem solve independently

- Excel in high volume, fast paced production environment

- Familiarity with nCino lending platform is a plus

- Have effective planning, organizational and time management skills

If there\xe2\x80\x99s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our .

Learn how drives meaningful relationships with our customers and collaboration across the company.

Benefits:

Our approach to benefits and total rewards considers our team members\xe2\x80\x99 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\xe2\x80\x99s status as an equal opportunity employer by viewing the federal EEO poster.

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 .

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, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $81,515.00 - $95,900.00 - $105,490.00

U.S. Bank