Healthcare Credit Analyst (Multiple Levels)

U.S. Bank National Association • Brookfield, WI

1d • Hybrid

About The Position

The successful candidate should have prior experience in originating or monitoring a commercial loan portfolio consisting of borrowers in healthcare related industries – including spreading, financial analysis, etc.
Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.
This active posting is for a Healthcare Credit Analyst role: Healthcare Credit Analyst 4, Healthcare Credit Analyst 5, Healthcare Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.
Healthcare Credit Analyst 4
Basic Qualifications
- Bachelor’s degree, or equivalent underwriting experience
- Typically one or more years of underwriting experience
Preferred Skills/Experience
- Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits
- Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
- Background in economics, accounting, and/or finance
- Excellent verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages including EXCEL and nCino
Healthcare Credit Analyst 5
Basic Qualifications
- Bachelor’s degree, or equivalent underwriting experience
- Typically three or more years of underwriting experience
Preferred Skills/Experience
- Strong underwriting, credit analysis and analytical skills working with complex healthcare credits
- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
- Background in economics, accounting, and/or finance
- Strong verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages – including nCino
- Advanced background in MS Office suite of products and skillset with MS Excel
Healthcare Credit Analyst 6
Basic Qualifications
- Bachelor’s degree, or equivalent underwriting experience
- Typically five or more years of underwriting experience
Preferred Skills/Experience
- Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits
- In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
- Background in economics, accounting, and/or finance
- Strong verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages – including nCino and Credit Lens
- Advanced background in MS Office suite of products and skillset with MS Excel
This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.

Requirements

• Bachelor’s degree, or equivalent underwriting experience
• one or more years of underwriting experience (for Healthcare Credit Analyst 4)
• three or more years of underwriting experience (for Healthcare Credit Analyst 5)
• five or more years of underwriting experience (for Healthcare Credit Analyst 6)

Nice To Haves

• Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits
• Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Background in economics, accounting, and/or finance
• Excellent verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages including EXCEL and nCino
• Strong underwriting, credit analysis and analytical skills working with complex healthcare credits
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Strong verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages – including nCino
• Advanced background in MS Office suite of products and skillset with MS Excel
• Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits
• Proficient computer navigation skills using a variety of software packages – including nCino and Credit Lens

Responsibilities

• Approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit.
• Conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers.
• Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company.
• May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio.
• The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

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