Credit Review Specialist

Job Description

This role is responsible for performing comprehensive credit analysis on existing and prospective customers and loan portfolios. The position supports sound lending decisions by evaluating financial and credit data, monitoring risk, and maintaining high credit quality across assigned accounts.

Pay Range: $25.77 - $34.33

• Conduct detailed credit analyses by gathering, reviewing, and interpreting financial and credit information, including credit reports, industry research, tax returns, and related documentation.
• Input and maintain accurate credit data within tracking, reporting, and database systems.
• Prepare clear, well‑documented credit analyses and reports for stakeholders responsible for new loan approvals, renewals, and extensions.
• In certain areas, independently make credit decisions within a high‑volume production environment.
• Monitor customer accounts and loan portfolios to identify emerging risks, credit issues, or adverse trends.
• Support risk management efforts by proactively identifying potential credit exposure and minimizing loss.
• Build, maintain, and utilize databases and analytical tools to support portfolio analysis and reporting.
• Provide credit‑related information and respond to internal or external credit inquiries as appropriate.

Hybrid expected in office 3+ days out of the week. Locations:
California and Washington

• Bachelor's degree, or equivalent work experience
• Two to three years of related experience

• Basic knowledge of credit and risk analysis, economics, accounting and finance
• Strong analytical skills
• Effective verbal and written communication skills

• 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

Full benefits details available by employment status.

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.

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.

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.