Credit Analyst

at  US Bank National Association

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

Responsible for monitoring a portfolio of commercial lease and loan accounts. Monitoring activities includes reviewing spreads to the source financial statements for accuracy and making risk rating recommendations. Perform required Annual and Interim Reviews, per policy requirements, including covenant testing, if required. Preparation of thorough credit displays in accordance with the Bank and Division Credit Policies. Perform quarterly problem credit monitoring presentations for adversely rated accounts. Assist with Contract Modifications on monitored accounts. Complete an audit when new accounts are assigned. Review of weekly reports for financial statement and interim review tracking. Use of existing information systems & complying with Bank Information Security Policies.

Basic Qualifications

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

Preferred Qualifications:

• Portfolio monitoring experience
• Credit underwriting/review experience
• Detailed oriented
• Must be organized and be able to handle multiple tasks at the same
• Good time management
• Knowledge of Equipment Finance transactions
• Good critical thinking skills
• Excellent interpersonal, professional, verbal and written communication skills

The role offers a hybrid/flexible schedule, which means there’s an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
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.

• 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 la