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Commercial Credit Analyst

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U.S. Bank

7d ago

  • Job
    Full-time
    Senior Level
  • Accounting & Tax
    Banking & Finance
  • United States
    Remote
  • 24d left

AI generated summary

  • You need a bachelor's degree, 5+ years of experience, strong credit analysis skills, knowledge of finance, and effective communication. A master's or CPA is preferred.
  • You will analyze credit data, evaluate customer portfolios, make credit recommendations, and use software tools to assess risks and improve credit quality for lending decisions.

Requirements

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

Responsibilities

  • Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit.
  • Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers.
  • Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company.
  • May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio.
  • The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

FAQs

Do we support remote work?

Yes, we offer a remote work option; however, candidates located near our offices are required to work on-site at least three days per week.

What is the start date for this position?

The start date for this position is January 20th, 2025.

What are the basic qualifications for the Commercial Credit Analyst role?

The basic qualifications include a Bachelor's degree or equivalent work experience, along with typically five or more years of relevant experience.

Are there preferred skills or experiences for this position?

Yes, preferred skills include strong credit analysis and analytical skills, in-depth knowledge of credit administration and risk analysis, a background in economics or finance, and effective communication skills. A Master's degree or CPA certification is also preferred.

What kind of benefits do you offer?

Our benefits include healthcare (medical, dental, vision), life insurance, short-term and long-term disability, paid vacation, 401(k) contributions, adoption assistance, and various leave accruals, among others.

Is this position open to applicants with arrest or conviction records?

Yes, U.S. Bank will consider qualified applicants with arrest or conviction records for employment.

How long will this job posting remain open?

Job postings typically remain open for approximately 20 days from the posting date, but they may close earlier if the position is no longer required due to business needs.

What tools and technologies are used in the credit analysis process?

Credit Analysts may use technological tools, including computer software, to assist in the credit analysis process, evaluating credit information and possible courses of action.

What responsibilities does a Commercial Credit Analyst have?

Responsibilities include approving credit extensions or making recommendations, conducting complete credit analyses, identifying potential credit quality issues, and using technology to evaluate credit or portfolios.

Is a Master's degree required for this role?

No, a Master's degree or CPA certification is preferred but not required; a Bachelor’s degree or equivalent work experience is sufficient.

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U.S. Bank

Finance
Industry
10,001+
Employees
1863
Founded Year

Mission & Purpose

U.S. Bancorp, with nearly 70,000 employees and $554 billion in assets as of December 31, 2020, is the parent company of U.S. Bank National Association, the fifth-largest commercial bank in the United States. The Minneapolis-based bank blends its relationship teams, branches and ATM network with digital tools that allow customers to bank when, where and how they prefer. U.S. Bank is committed to serving its millions of retail, business, wealth management, payment, commercial, corporate, and investment customers across the country and around the world as a trusted and responsible financial partner. This commitment continues to earn a spot on the Ethisphere Institute’s World’s Most Ethical Companies list and puts U.S. Bank in the top 5% of global companies assessed on the CDP A List for climate change action.

Benefits

  • You choose how to save and invest through before-tax and/or Roth after-tax contributions and a variety of investment options. You’re immediately vested and receive a 100% company match up to 4% of eligible pay after a year of service.

  • Premier support – Experience an elevated level of personalized and unified support when you have questions or concerns or when you need expert support related to your UnitedHealthcare/Optum medical, prescription, mental and behavioral health, and Health Savings Account benefits. Y

  • An HSA provides a tax-advantaged means for you to save and pay for qualified healthcare expenses, including doctor and dentist visits, prescriptions, glasses, contact lenses and more. Enroll in a U.S. Bank HSA Advantage medical plan to contribute and to receive up to $750 (if you cover yourself) or up to $1,500 (if you cover one or more family members) annually from U.S. Bank.