Credit Analyst (Multiple Levels)

U.S. Bank•Brookfield, WI

9d•$75,820 - $89,200

About The Position

Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal, and extension loans for business banking clients, to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis, including gathering, analyzing, and interpreting all types of credit information on existing and prospective commercial and small business customers. This includes evaluating business financial statements, cash flow, collateral, industry trends, and repayment capacity to assess overall creditworthiness. Reviews customer accounts and portfolios to identify, evaluate, and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. Supports relationship managers and business banking partners by providing sound credit recommendations and ongoing portfolio monitoring. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit, relationship, or portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered, while ensuring alignment with business banking lending policies, risk standards, and portfolio objectives.

Requirements

Bachelor’s degree, or equivalent work experience
Typically four or more years of relevant experience (for Credit Analyst 4)
Typically five or more years of relevant experience (for Credit Analyst 5)
Proficient computer navigation skills using a variety of software packages

Nice To Haves

Strong credit analysis and analytical skills
Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis (for Credit Analyst 4)
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis (for Credit Analyst 5)
Background in economics, accounting, and/or finance
Effective technical report writing skills
Effective verbal and written communication skills
Master's degree or CPA certification is preferred

Responsibilities

Approve the extension of credit and/or make recommendations for new, renewal, and extension loans for business banking clients.
Conduct complete credit analysis, including gathering, analyzing, and interpreting credit information on existing and prospective commercial and small business customers.
Evaluate business financial statements, cash flow, collateral, industry trends, and repayment capacity to assess overall creditworthiness.
Review customer accounts and portfolios to identify, evaluate, and determine the appropriate course of action on potential credit quality issues.
Support relationship managers and business banking partners by providing sound credit recommendations and ongoing portfolio monitoring.
Use technological tools, including computer software, to assist in the credit analysis process.
Make recommendations and/or decisions after various possibilities are considered, ensuring alignment with business banking lending policies, risk standards, and portfolio objectives.

Benefits

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
Incentive and recognition programs
Equity stock purchase
Pension (all benefits are subject to eligibility requirements)