Credit Analyst

U.S. Bank • Knoxville, TN

14d • Hybrid

About The Position

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. Job Description The Credit Analyst is responsible for evaluating creditworthiness and making recommendations on new, renewal, and extension loans. This role requires advanced financial analysis skills, including the ability to interpret accrual-based financial statements and assess the overall financial health of businesses. The ideal candidate will have experience analyzing financial trends, understanding key concepts such as Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis. Proficiency in reviewing and interpreting the Balance Sheet, Income Statement, and Statement of Cash Flows is essential. The Credit Analyst will identify potential credit risks, recommend strategies to maintain credit quality, and minimize loss exposure. The role also involves leveraging analytical tools and software to evaluate individual credits and portfolios.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field (or equivalent work experience).
• Typically four or more years of relevant experience in credit or financial analysis.
• Strong financial and credit analysis skills with emphasis on accrual accounting.
• Expertise in analyzing Balance Sheets, Income Statements, and Cash Flow Statements.
• Thorough understanding of Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis.
• Knowledge of credit administration, policy, and risk analysis.
• Effective technical report writing and communication skills.
• Proficient in financial modeling and computer navigation using various software tools.

Nice To Haves

• Master’s degree, CPA, or CFA certification preferred.

Responsibilities

• Perform in-depth financial and credit analysis on new and existing customers.
• Interpret accrual-based financial statements and assess financial trends.
• Analyze key financial metrics, including liquidity, leverage, profitability, and cash flow sustainability.
• Evaluate Net Working Capital, Deferred Revenue implications, and overall financial health.
• Review customer accounts and portfolios to identify potential credit risks.
• Prepare detailed credit reports and recommendations for decision-makers.
• Utilize credit analysis tools and software to support evaluations.

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: 5,001-10,000 employees