Business Banking Credit Analyst 4 - CA Originations

U.S. Bank•Gresham, OR

2d•$81,515 - $95,900•Hybrid

About The Position

Responsible for approving the extension of credit and/or making recommendations to final lending decision-makers on whether to approve or deny new, renewed, and extended loans. Before making or advising on a credit decision, the Credit Analyst conducts a complete credit analysis by gathering, analyzing, and interpreting credit information on existing and prospective customers. The role reviews customer accounts and portfolios to identify, evaluate, and determine appropriate responses to potential credit-quality issues, with the goal of maximizing credit quality and minimizing risk and potential loss to the company. The analyst may use technological tools, including computer software, to evaluate individual credits or portfolios, compare possible courses of action, and make recommendations or decisions after considering the alternatives. The role requires working from a U.S. Bank location three or more days per week. The listed salary range is $81,515 to $95,900; actual pay may vary based on role location. U.S. Bank offers a benefits package subject to eligibility requirements.

Requirements

Bachelor’s degree or equivalent work experience.
Typically four or more years of relevant experience.
Strong credit analysis and analytical skills.
Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Effective technical report-writing skills.
Effective verbal and written communication skills.
Proficient computer navigation skills using a variety of software packages.

Nice To Haves

Background in economics, accounting, and/or finance.
Master’s degree or CPA certification.

Responsibilities

Approve extensions of credit and/or recommend whether final lending decision-makers should approve or deny new, renewed, and extended loans.
Gather, analyze, and interpret credit information on existing and prospective customers as part of a complete credit analysis.
Review customer accounts and portfolios to identify and evaluate potential credit-quality issues and determine appropriate action.
Help maximize credit quality and minimize risk and potential company losses.
Use technological tools, including computer software, to evaluate credits or portfolios and compare possible courses of action.
Make credit recommendations and/or decisions after considering available alternatives.

Benefits

Healthcare coverage, including medical, dental, and vision.
Basic term and optional term life insurance.
Short-term and long-term disability coverage.
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 hours worked, up to 80 hours per calendar year unless otherwise provided by law.
Incentive and recognition programs.
Equity stock purchase.