Credit Analyst 4

U.S. Bank•Brookfield, WI

13d•$75,820 - $89,200•Hybrid

About The Position

The 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, 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 role reviews customer accounts and portfolios to identify and evaluate potential credit-quality issues and determine appropriate action to maximize credit quality while minimizing risk and potential loss to the company. The analyst may use technological tools, including computer software, to assist with credit analysis and evaluate individual credits or portfolios. These tools help compare possible courses of action; the analyst considers the alternatives before making 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 extensions of credit and/or recommend approval or denial of new, renewal, and extension loans to final lending decision-makers.
Gather, analyze, and interpret credit information about existing and prospective customers as part of 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 loss to the company.
Use technological tools, including computer software, to assist in credit analysis and evaluate credits or portfolios.
Compare possible courses of action and make credit recommendations or decisions after considering 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 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, 401(k) contribution, and pension, subject to eligibility requirements.