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U.S. Bank Credit Analyst (multiple levels)-Business Banking-Healthcare in Charlotte, North Carolina

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

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 role is hybrid anywhere within the U.S. Bank footprint. Team members who are in a hybrid role typically spend three days a week at a U.S. Bank location, while having flexibility on their work location for the other working days.

Basic Qualifications-Credit Analyst 4

  • Bachelor’s degree, or equivalent work experience

  • Four or more years of relevant experience

Preferred Skills/Experience

  • Strong credit analysis and analytical skills

  • Experience with business/ commercial underwriting

  • Credit Analysis experience with the healthcare industry

  • Ncino experience

  • Thorough 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

  • Master's degree or CPA certification is preferred

Basic Qualifications- Credit Analyst 5

  • Bachelor’s degree, or equivalent work experience

  • Five or more years of relevant experience

Preferred Skills/Experience

  • Strong credit analysis and analytical skills

  • Experience with business/ commercial underwriting

  • Credit Analysis experience with the healthcare industry

  • Ncino experience

  • 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

  • Master's degree or CPA certification is preferred

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Learn how the way we work at U.S. Bank (https://assets.phenompeople.com/CareerConnectResources/prod/UBNAGLOBAL/documents/Thewaywework-1666895142717.pdf) drives meaningful relationships with our customers and collaboration across the company.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

  • 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

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) EEO poster.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $73,610.00 - $86,600.00 - $95,260.00

U.S. Bank accepts applications for this position on an ongoing basis.

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