SBA Credit Analyst

Position: SBA Credit Analyst 6
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 Independently analyzes and underwrites complex SBA and commercial credit transactions and develops lending recommendations for new originations, renewals, and extensions.

Demonstrates in-depth knowledge of SBA 7(a) and 504 lending requirements and applies SBA SOPs and internal credit policies to independently assess eligibility, structure transactions, identify policy considerations, and develop sound credit recommendations.

Performs comprehensive credit analysis, including financial statement spreading, cash flow and repayment capacity analysis, credit risk assessment, and evaluation of transaction structure to support sound lending decisions.

Evaluates credit requests and existing credit relationships to identify credit quality concerns, mitigate risk, and minimize potential loss.

Utilizes credit systems, financial analysis software, and other technology-based tools to support the underwriting and credit analysis process.

Basic Qualifications
• Bachelors degree or equivalent work experience
• Typically six or more years of relevant work experience

Preferred Qualifications
• Preferred:
Direct SBA credit analysis and underwriting.
• Transferable: C&I underwriting, broad commercial credit, financial analysis, or accounting.
• Financial analysis:
Reads, spreads, and interprets financials and explains the story behind metrics.
• Credit decisioning:
Assesses risk, structures commercial credit, and understands approval processes. Mild Concerns / Development Areas
• Complexity:
Navigates SBA rules alongside internal credit policy and varied deal structures.
• Communication:
Strong written and verbal communication with internal partners.
• Operating style:
Comfortable in a fast-paced environment with multiple priorities.
• Technology: nCino experience is beneficial, but not required.

Location Expectations 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:

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 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.

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