Credit Review Specialist - Equipment Finance

U.S. Bank • Marshall, MN

22h • Hybrid

About The Position

The Equipment Finance Credit Specialist is responsible for conducting credit analysis on existing and prospective customers across multiple business lines. This role supports a high‑volume production environment, processing primarily small‑ticket credit applications and partnering closely with Sales and Documentation teams to move transactions efficiently from application to funding. The position supports both direct and indirect markets and contributes to maintaining strong credit quality while minimizing risk exposure. The role requires working from a U.S. Bank location three (3) or more days per week and is located in Marshall, MN.

Requirements

• Bachelor’s degree, or equivalent work experience.
• Typically two or more years of related experience

Nice To Haves

• Well‑developed credit analysis and analytical skills.
• Basic understanding of credit administration, policies, and procedures.
• Working knowledge of risk analysis concepts.
• Strong attention to detail with the ability to manage multiple applications and deadlines.
• Effective report writing skills.
• Clear and professional verbal and written communication skills.
• Basic proficiency in Microsoft Excel and other standard MS office tools.
• Ability to work efficiently in a high‑volume, deadline‑driven environment.

Responsibilities

• Conduct credit analyses by gathering, reviewing, and interpreting a variety of credit information, including credit reports, financial statements, tax returns, and industry research.
• Prepare clear, concise credit write‑ups and present recommendations to individuals responsible for credit decisions on new, renewal, and extension requests.
• Input and maintain accurate credit data within tracking, reporting, and portfolio management systems.
• Make credit decisions in a high‑volume, production‑oriented environment, primarily supporting small‑ticket transactions.
• Monitor customer accounts and loan portfolios to identify potential risks or issues and escalate as appropriate to support credit quality and loss prevention.
• Collaborate with Sales, Documentation, and other internal partners to ensure timely progression of deals through approval and funding.
• Communicate primarily via email, with occasional phone interactions, to resolve questions, address discrepancies, and support deal execution.
• Support all business lines within the Equipment Finance (EF) groups including Office Equipment Vendor Services (OEVS), Distribution Finance Services (DFS), Government Leasing and Finance Group (GLF) and Technology Vendor Services (TVS).

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