Credit Review Specialist 2
About The Position
Responsible for conducting credit analyses for existing and prospective customers and portfolios by gathering, analyzing, and interpreting credit information, which may include credit reports, industry research, and tax returns. The role inputs collected data into tracking or reporting systems and databases, prepares and presents credit reports to lending decision-makers for new, renewal, and extension loans, and may make credit decisions in some high-volume production environments. It monitors customer accounts and loan portfolios to identify potential issues, help maximize credit quality, and minimize credit risk and potential loss. The position also sets up and maintains databases used to analyze accounts and portfolios, prepares and presents reports to those responsible for monitoring 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. U.S. Bank describes benefits that may support employees and their families, subject to eligibility requirements.
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.
Responsibilities
- Gather, analyze, and interpret credit information on existing and prospective customers and portfolios.
- Collect information such as credit reports, industry research, and tax returns.
- Enter gathered data into tracking or reporting computer systems and databases.
- Prepare and present credit reports to people responsible for lending decisions on new, renewal, and extension loans.
- Make credit decisions in some areas within a high-volume production environment.
- Monitor customer accounts and loan portfolios to identify potential issues and minimize credit risk and potential loss.
- Set up and maintain databases used to analyze accounts and portfolios.
- Prepare and present credit reports to those responsible for maintaining control over the credit standing of individual accounts and portfolios.
- Provide information related to credit inquiries to appropriate parties.
Benefits
- Healthcare, including medical, dental, and vision coverage.
- 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.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
