Sr. Credit Analyst – Equipment Finance; Ticket, Vendor Channel

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... from Day One.

The Credit Analyst 6 role sits within Equipment Finance - Large Ticket Credit Underwriting, supporting the vendor channel. The team underwrites credit requests sourced through third-party vendors, operating in a fast-paced, transaction-driven environment with accelerated turnaround expectations.

This position is responsible for evaluating and underwriting equipment finance transactions, typically with exposures exceeding $1MM. This role requires strong credit judgment, the ability to quickly assess risk, and the capability to deliver clear, well-structured credit recommendations with limited direct borrower interaction.

• Underwrite equipment finance credit requests submitted through vendor channels
• Analyze financial statements, credit packages, and supporting documentation to assess risk
• Identify key risks and mitigating factors; assign appropriate internal risk ratings

• Prepare credit memoranda in nCino, ranging from streamlined summaries to comprehensive packages based on deal complexity
• Develop clear, concise, and decision-ready recommendations for credit approvers
• Prepare pre-screen summaries to support efficient senior-level decisioning

• Manage multiple transactions simultaneously
• Prioritize workload to meet deadlines and support timely deal execution
• Operate effectively in a high-volume, deadline-driven environment

• Partner closely with sales teams, vendors, and internal stakeholders to move deals forward
• Communicate proactively on deal status, timelines, and potential issues
• Work with internal support teams (e.g., financial spreading teams) to resolve questions and ensure progress

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

• Demonstrated experience in commercial credit underwriting or financial analysis
• Strong ability to analyze financial statements and assess credit risk
• Prior experience in equipment finance underwriting
• Experience working with vendor-sourced or indirect transactions
• Knowledge of tax return analysis and global cash flow concepts
• Experience using nCino or similar credit platforms
• Exposure to industries such as manufacturing and healthcare
• Ability to work effectively in a fast-paced, high-volume environment
• Strong attention to detail with the ability to balance speed and accuracy
• Effective written and verbal communication skills
• Strong organizational and multitasking abilities
• Sound judgment with the ability to elevate issues appropriately
• Experience with nCino or similar credit underwriting platforms
• Microsoft Excel and other Office tools
• Familiarity with AI tools (e.g., Copilot) to enhance efficiency is a plus

This role requires working from a U.S. Bank location three (3) or more days per week. This position can be located at any of the locations listed on the posting.

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…