SBA Credit Analyst

U.S. Bank•Los Angeles, CA

13h•$111,095 - $130,700•Hybrid

About The Position

At U.S. Bank, the Credit Analyst is responsible for approving extensions of credit and/or making recommendations to final lending decision-makers on whether to approve or deny new, renewal, and extension loans. The analyst conducts complete credit analyses by gathering, analyzing, and interpreting credit information on existing and prospective customers before making or advising on a credit decision. The role reviews customer accounts and portfolios to identify, evaluate, and determine appropriate actions for potential credit quality issues, with the goal of maximizing credit quality and minimizing risk and potential loss. The analyst may use technological tools, including computer software, to evaluate individual credits or portfolios, compare possible courses of action, and make recommendations or decisions after considering alternatives. The position requires working from a U.S. Bank location three or more days per week. The listed pay range is $111,095 to $130,700, with the actual range potentially varying by role location. U.S. Bank also offers benefits and incentive and recognition programs, subject to eligibility requirements.

Requirements

Bachelor’s degree or equivalent work experience.
Typically six or more years of relevant experience.
Strong credit analysis and analytical skills.
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
Background in economics, accounting, and/or finance.
Effective technical report writing skills.
Effective verbal and written communication skills.
Proficient computer navigation skills using a variety of software packages.

Nice To Haves

Master’s degree or CPA certification.

Responsibilities

Approve extensions of credit and/or recommend approval or denial of new, renewal, and extension loans to final lending decision-makers.
Gather, analyze, and interpret credit information on existing and prospective customers as part of complete credit analyses.
Review customer accounts and portfolios to identify and evaluate potential credit quality issues.
Determine appropriate actions on potential credit quality issues to maximize credit quality and minimize risk and potential loss.
Use technological tools, including computer software, to evaluate individual credits or portfolios and compare possible courses of action.
Make credit recommendations and/or decisions after considering various possibilities.

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, 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 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.