Credit Analyst - Equipment Finance

U.S. Bank • Marshall, MN

2d • $70,890 - $83,400 • Hybrid

About The Position

The Equipment Finance Credit Analyst 4 is responsible for day‑to‑day commercial credit underwriting activities, including reviewing credit applications, analyzing credit reports and financial information, and preparing credit recommendations to support lending decisions. The role supports a diverse range of business lines and collateral types, including office equipment, healthcare equipment, and commercial auto financing.

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
• 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
• Proficiency with the Microsoft Office Suite, particularly Excel

Responsibilities

• Review and analyze commercial credit applications and credit reports
• Perform in‑depth credit analysis and prepare written credit summaries and recommendations for credit approvers
• Underwrite application‑only transactions with exposure limits up to $1,000,000
• Research businesses seeking credit and evaluate creditworthiness
• Analyze credit reports, limited financial information, and third‑party data
• Utilize tools such as Dun & Bradstreet and PayNet to support underwriting decisions
• Correspond regularly with internal sales teams regarding credit applications and decisions
• Provide clear, well‑documented credit rationale to support decision‑making
• Interact occasionally with third‑party vendors; role is not customer‑facing
• Use Excel to complete underwriting write‑ups using established templates
• Maintain accurate and consistent credit documentation

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