Business Banking Credit Analyst 4 - CA Originations

U.S. Bank National Association•Portland, OR

2d•$81,515 - $95,900•Hybrid

About The Position

The Business Banking Credit Analyst is responsible for approving credit extensions and/or recommending approval or denial to the person or people making the final lending decision on new, renewal, and extension loans. Before making or advising on a credit decision, the analyst conducts complete credit analyses by gathering, analyzing, and interpreting credit information about existing and prospective customers. The analyst reviews customer accounts and portfolios to identify and assess potential credit-quality issues and determine appropriate actions to maximize credit quality while minimizing risk and potential loss to the company. The role may use technological tools, including computer software, to evaluate individual credits or portfolios, compare possible courses of action, and support recommendations or decisions. The role requires working from a U.S. Bank location three or more days per week.

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 credit extensions and/or recommend approval or denial of new, renewal, and extension loans to final lending decision-makers.
Conduct complete credit analyses by gathering, analyzing, and interpreting credit information on existing and prospective customers.
Review customer accounts and portfolios to identify and evaluate potential credit-quality issues and determine appropriate actions.
Use technological tools and 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, 401(k) contribution, and pension, subject to eligibility requirements.