SBA Credit Analyst 5

U.S. Bank • Los Angeles, CA

6d • Hybrid

About The Position

At U.S. Bank, the SBA Credit Analyst is responsible for approving extensions of credit and/or recommending lending decisions for new, renewed, and extended loans. Before making or advising on a credit decision, the analyst conducts a complete credit analysis by gathering, analyzing, and interpreting credit information about existing and prospective customers. The analyst reviews customer accounts and portfolios to identify and evaluate potential credit-quality issues and determine appropriate actions to maximize credit quality while minimizing risk and potential losses. The role may use technological tools, including computer software, to assess individual credits or portfolios, compare possible courses of action, and support recommendations or decisions.

This role requires working from a U.S. Bank location three or more days per week. U.S. Bank offers healthcare and other benefits, and is an equal opportunity employer.

Requirements

• Bachelor’s degree or equivalent work experience.
• Typically five or more years of relevant experience.

Nice To Haves

• SBA originations and/or portfolio underwriting experience.
• Strong credit analysis and analytical skills.
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis.
• Effective technical report-writing skills.
• Effective verbal and written communication skills.
• Proficient computer navigation skills using a variety of software packages.
• Familiarity with the nCino lending platform.
• Moody's CreditLens experience.
• Detail-oriented and self-motivated.
• Ability to work and problem-solve independently.
• Ability to excel in a high-volume, fast-paced production environment.
• Background in economics, accounting, and/or finance.
• Master's degree or CPA certification.

Responsibilities

• Approve extensions of credit and/or recommend decisions to the final lending decision-makers for new, renewal, and extension loans.
• Gather, analyze, and interpret credit information on existing and prospective customers.
• Conduct complete credit analyses before making or advising on credit decisions.
• Review customer accounts and portfolios to identify, evaluate, and determine appropriate actions for potential credit-quality issues.
• Help maximize credit quality and minimize risk and potential loss to the company.
• Use technological tools, including computer software, to evaluate individual credits or portfolios and compare possible courses of action.
• Make recommendations and/or credit decisions after considering available alternatives.

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, subject to eligibility requirements.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior