Credit Analyst (Multiple Levels

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.

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 for business banking clients
, 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 commercial and small business customers
. This includes evaluating business financial statements, cash flow, collateral, industry trends, and repayment capacity to assess overall creditworthiness.

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. Supports relationship managers and business banking partners by providing sound credit recommendations and ongoing portfolio monitoring. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit, relationship, or 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, while ensuring alignment with business banking lending policies, risk standards, and portfolio objectives.

• Bachelor’s degree, or equivalent work experience
• Typically four or more years of relevant experience

• Strong credit analysis and analytical skills
• Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Background in economics, accounting, and/or finance
• Effective technical report writing skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages
• Master's degree or CPA certification is preferred

• Bachelor’s degree, or equivalent work experience
• Typically five or more years of relevant experience

• Strong credit analysis and analytical skills
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Background in economics, accounting, and/or finance
• Effective technical report writing skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages
• Master's degree or CPA certification is preferred

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…