SBA Credit Analyst 5

U.S. Bank•Los Angeles, CA

1d•$98,345 - $115,700•Hybrid

About The Position

The SBA Credit Analyst is responsible for approving extensions of credit and/or recommending approval or denial to the person or persons making final lending decisions on new, renewal, and extension loans. Before making or advising on a credit decision, the analyst conducts complete credit analyses 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 loss to the company. Technological tools, including computer software, may be used to assess individual credits or portfolios and compare possible courses of action before making recommendations or decisions. The role requires working from a U.S. Bank location three or more days per week. U.S. Bank describes its benefits as supporting employees’ health, financial security, and peace of mind. The posted salary range is $98,345 to $115,700, with the actual range potentially varying by role location. Additional compensation and benefits are subject to eligibility requirements.

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 approval or denial to final lending decision-makers for new, renewal, and extension loans.
Conduct complete credit analyses by gathering, analyzing, and interpreting credit information about existing and prospective customers.
Review customer accounts and portfolios to identify and evaluate potential credit-quality issues.
Determine appropriate actions to maximize credit quality and minimize risk and potential loss to the company.
Use technological tools, including computer software, to evaluate credits or portfolios and compare possible courses of action.
Make recommendations and/or credit decisions after considering possible courses of action.

Benefits

Healthcare, including medical, dental, and 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 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, 401(k) contribution, and pension, subject to eligibility requirements.