Credit Review Specialist 2
About The Position
Responsible for conducting credit analyses on existing and prospective customers and portfolios. This includes gathering, analyzing, and interpreting credit information such as credit reports, industry research, and tax returns, and entering collected data into tracking or reporting systems and databases. The role prepares and presents credit reports to people responsible for lending decisions on new, renewal, and extension loans. In some areas, the position may make credit decisions in a high-volume production environment. The specialist monitors customer accounts and loan portfolios to identify potential issues, maximize credit quality, and minimize credit risk and potential loss. The role also sets up and maintains databases used to analyze accounts and portfolios, prepares and presents reports to those maintaining control over credit standings, and generally provides information in response to credit inquiries. 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 one or more years of related experience.
Nice To Haves
- Basic knowledge of credit and risk analysis, economics, accounting, and finance.
- Strong analytical skills.
- Effective verbal and written communication skills.
- Time management skills.
- Proficiency with nCino preferred.
Responsibilities
- Gather, analyze, and interpret credit information on existing and prospective customers and portfolios.
- Enter gathered data into tracking and reporting systems or databases.
- Prepare and present credit reports for lending decisions on new, renewal, and extension loans.
- In some areas, make credit decisions in a high-volume production environment.
- Monitor customer accounts and loan portfolios to identify potential issues, maximize credit quality, and minimize credit risk and potential loss.
- Set up and maintain databases used to analyze accounts and portfolios.
- Prepare and present credit reports to people responsible for maintaining control over the credit standings of accounts and portfolios.
- Provide information in response to credit inquiries to appropriate parties.
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, 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 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.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
