Credit Review Specialist 3

U.S. Bank National Association • Fargo, ND

2d • Onsite

About The Position

Responsible for conducting credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Prepares and presents credit reports to person(s) responsible for making lending decisions on new, renewal and extension loans. In some areas, this position may make credit decisions in a high-volume production environment. Monitors customer accounts and/or loan portfolios in order to identify potential issues and thereby maximize credit quality and minimize the company’s credit risk and potential loss. Sets up and maintains databases used to analyze accounts and/or portfolios. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information relative to credit inquiries to appropriate parties.

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 knowledge of credit administration, policy and procedures
• Thorough knowledge of economics, accounting, and finance
• Good knowledge of risk analysis
• Effective technical report writing skills
• Effective verbal and written communication skills

Responsibilities

• Conducting credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios.
• Inputting data gathered into tracking and/or reporting computer systems and/or databases.
• Preparing and presenting credit reports to person(s) responsible for making lending decisions on new, renewal and extension loans.
• Making credit decisions in a high-volume production environment (in some areas).
• Monitoring customer accounts and/or loan portfolios to identify potential issues and thereby maximize credit quality and minimize the company’s credit risk and potential loss.
• Setting up and maintaining databases used to analyze accounts and/or portfolios.
• Furnishing information relative to credit inquiries to appropriate parties.

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