Business Banking Relationship Credit Analyst

U.S. Bank National Association • Chesterfield, MO

1d • Hybrid

About The Position

This is a Business Banking credit and underwriting support role focused on analyzing financials and supporting lending for business clients with $2.5MM–$50MM in annual revenue. This role is hands-on with financial statement analysis, underwriting support, and preparation of credit-related documentation. The analyst partners closely with internal credit and risk teams to support sound credit decisions and a strong client experience. The Business Banking Relationship Credit Analyst supports Business Banking Relationship Managers by assisting with the evaluation of lending opportunities and maintaining strong credit quality across a portfolio of business clients with $2.5MM–$50MM in annual revenue.

Requirements

• Bachelor's degree, or equivalent work experience
• Five to eight years of Business Banking experience

Nice To Haves

• Experience supporting business or commercial credit, underwriting, or lending analysis in a banking environment.
• Strong understanding of financial statement analysis, cash flow, and core credit fundamentals.
• Knowledge of credit administration, analysis, and credit policy/procedure
• Ability to work effectively with individuals and groups across the company to manage customer relationships
• Effective verbal and written communication skills

Responsibilities

• Provide credit and underwriting support for Business Banking lending opportunities, including preparation of pre-flight materials and credit documentation.
• Analyze and review business financial information such as financial statements, tax returns, cash flow, and borrowing base calculations.
• Assist with underwriting support, including credit analysis and evaluation of lending requests.
• Partner closely with Relationship Managers supporting business clients within the $2.5MM–$50MM revenue segment.
• Support portfolio and risk management efforts through thoughtful analysis, monitoring, and coordination with internal partners.
• Gather required documentation and assist in moving credit requests through the approval and closing process.

Benefits

• 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 law

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 501-1,000 employees