Business Banking Credit Analyst

Overview

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 Business Banking commercial credit requests within delegated authority and/or providing well‑supported credit recommendations to the appropriate approver for new loan originations, renewals, extensions, and modifications. Credit products may include commercial term loans, revolving lines of credit, equipment financing, and other Business Banking lending solutions.

Prior to rendering a credit decision or recommendation, the Credit Analyst conducts comprehensive underwriting and credit analysis by gathering, analyzing, and interpreting a wide range of borrower, guarantor, and transaction-level credit information for existing and prospective business customers. This includes analysis of financial statements, cash flow and global debt service capacity, collateral adequacy, guarantor strength, industry and market risk, and overall creditworthiness in accordance with Business Banking credit policy and underwriting standards.

Reviews assigned Business Banking portfolios and individual customer relationships to identify emerging credit risk, assess credit quality trends, and recommend risk-mitigating actions as appropriate to support strong portfolio performance and minimize potential credit loss.

Utilizes approved credit and underwriting systems, models, and analytical tools to evaluate individual credit requests and portfolios, assess alternative deal structures, and compare potential courses of action. Prepares clear, accurate, and well-documented credit recommendations and/or decisions after considering multiple credit outcomes, risk mitigants, and policy requirements.

The successful candidate should have prior experience in monitoring a commercial loan portfolio – including spreading, financial analysis, etc.

Basic Qualifications

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

Preferred Skills/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.

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…