SBA Credit Approver

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

Manages a credit administration/loan review group responsible for a segment of the company’s credit approval, administration and review activities that support established credit objectives. Ensures credits adhere to existing policies and regulatory credit specifications; documentation is adequate to ensure security of collateral; and ongoing administration and review is adequate to maintain the loan portfolio’s quality and profitability.

BASIC QUALIFICATIONS

• Bachelor’s degree, or equivalent work experience
• Typically, eight to 10 years of related experience

PREFERRED SKILLS/EXPERIENCE

• Advanced knowledge of credit policies, credit analysis, procedures and philosophy
• Strong analytical skills in relation to evaluating asset utilization and goals
• Demonstrated analytical and risk analysis skills
• Thorough knowledge of organization, business practices, business philosophy, and ethics
• Demonstrated management and leadership skills
• Well-developed customer service/relations skills
• Effective verbal and written communication skills
• Prior SBA or commercial underwriting experience
• Prior SBA process and loan programs
• Prior lending authority (at least 500k)
• Proficiency in Microsoft Suite
• Proficiency in Moody’s Credit Lens
• Proficiency in nCino
• CPA certification preferred
• Master’s degree in finance preferred
  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