Credit Review Specialist - Equipment Finance

U.S. Bank•Marshall, MN

2d•Hybrid

About The Position

The Equipment Finance Credit Specialist 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 with Sales and Documentation teams to move transactions efficiently from application to funding. It supports both direct and indirect markets and helps maintain strong credit quality while minimizing risk exposure. The position supports business lines including healthcare, manufacturing, capital markets, technology vendor services (TVS), and business banking. It requires working from the U.S. Bank location in Marshall, Minnesota, three or more days per week.

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.
Basic understanding of credit administration, policies, and procedures.
Working knowledge of risk analysis concepts.
Strong attention to detail and 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 Microsoft Office tools.
Ability to work efficiently in a high-volume, deadline-driven environment.

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.
Enter 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, escalating 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, 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.