Healthcare Credit Analyst (Multiple Levels)

U.S. Bank • Brookfield, WI

1d • Hybrid

About The Position

Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application. At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description 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.

Requirements

• Bachelor’s degree, or equivalent underwriting experience
• Prior experience in originating or monitoring a commercial loan portfolio consisting of borrowers in healthcare related industries – including spreading, financial analysis, etc.
• Healthcare Credit Analyst 4: Typically one or more years of underwriting experience
• Healthcare Credit Analyst 5: Typically three or more years of underwriting experience
• Healthcare Credit Analyst 6: Typically five or more years of underwriting experience

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.
• Use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio.
• 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