Credit Analyst 4

U.S. Bank•Brookfield, WI

11d•Hybrid

About The Position

Responsible for approving the extension of credit and/or recommending approval or denial to the person(s) making final lending decisions on new, renewal, and extension loans. Before making a credit decision or advising final decision-makers, the Credit Analyst conducts complete credit analyses by gathering, analyzing, and interpreting credit information on existing and prospective customers. The role reviews customer accounts and portfolios to identify and evaluate potential credit quality issues and determine appropriate actions to maximize credit quality while minimizing risk and potential loss. 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 pay range is $75,820.00–$89,200.00, with the actual range potentially varying by role location. U.S. Bank offers a comprehensive benefits package, 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 preferred.

Responsibilities

Approve credit extensions and/or recommend approval or denial to final lending decision-makers for new, renewal, and extension loans.
Gather, analyze, and interpret credit information on existing and prospective customers as part of complete credit analyses.
Review customer accounts and portfolios to identify and evaluate potential credit quality issues and determine an appropriate course of action.
Help maximize credit quality and minimize risk and potential loss to the company.
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 various possibilities.

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 of 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, subject to eligibility requirements.