Credit Review Specialist - Equipment Finance
About The Position
The Equipment Finance Credit Specialist 4 conducts credit analyses on existing and prospective customers across multiple business lines. The role supports a high-volume production environment, primarily processing small-ticket credit applications, and partners closely with Sales and Documentation teams to move transactions efficiently from application to funding. It supports direct and indirect markets and helps maintain strong credit quality while minimizing risk exposure. The position requires working from the U.S. Bank location in Marshall, Minnesota, three or more days per week. The role supports business lines including healthcare, manufacturing, capital markets, technology vendor services (TVS), and business banking.
Requirements
- Bachelor's degree or equivalent work experience.
- Typically three or more years of related experience.
Nice To Haves
- Well-developed credit analysis and analytical skills.
- Thorough 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
- Gather, review, and interpret credit information, including credit reports, financial statements, tax returns, and industry research.
- Prepare 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 in tracking, reporting, and portfolio management systems.
- Make credit decisions in a high-volume, production-oriented environment, primarily for small-ticket transactions.
- Monitor customer accounts and loan portfolios for potential risks or issues and escalate as appropriate to support credit quality and loss prevention.
- Collaborate with Sales, Documentation, and other internal partners to progress deals through approval and funding in a timely manner.
- Communicate primarily by email, with occasional phone interactions, to resolve questions, address discrepancies, and support deal execution.
- Support business lines including healthcare, manufacturing, capital markets, technology vendor services (TVS), and business banking.
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 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, 401(k) contribution, and pension, subject to eligibility requirements.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
