Business Banking Credit Analyst 4 - CA Originations

U.S. Bank•Gresham, OR

1d•Hybrid

About The Position

The Business Banking Credit Analyst is responsible for approving extensions of credit and/or recommending approval or denial to the person or people making final lending decisions on new, renewed, and extended loans. Before making or advising on a credit decision, the analyst completes credit analyses by gathering, analyzing, and interpreting credit information about existing and prospective customers. The analyst reviews customer accounts and portfolios to identify and evaluate potential credit-quality issues, determine appropriate actions, maximize credit quality, and minimize risk and potential losses to the company. The role may use technological tools, including computer software, to assess individual credit decisions and portfolios, compare possible courses of action, and support recommendations or decisions. The position requires working from a U.S. Bank location three or more days per week. The advertised pay range is $81,515 to $95,900. Benefits are subject to eligibility requirements.

Requirements

Bachelor’s degree or equivalent work experience.
Typically four or more years of relevant experience.

Nice To Haves

Strong credit analysis and analytical skills.
Thorough 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.

Responsibilities

Approve extensions of credit and/or recommend approval or denial of new, renewed, and extended loans to final lending decision-makers.
Gather, analyze, and interpret credit information on existing and prospective customers to conduct complete credit analyses.
Review customer accounts and portfolios to identify and evaluate potential credit-quality issues.
Determine appropriate actions to maximize credit quality and minimize risk and potential losses.
Use technological tools, including computer software, to evaluate credit and portfolios, compare potential courses of action, and support recommendations or decisions.

Benefits

Medical, dental, and vision healthcare coverage.
Basic term and optional term life insurance.
Short-term and long-term disability insurance.
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.
Pension.