SBA Credit Analyst 6

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 DescriptionResponsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal, extension, and SBA-guaranteed 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. This includes evaluating borrower eligibility, repayment capacity, collateral adequacy, and compliance with SBA lending guidelines and program requirements.Reviews customer accounts and portfolios, including SBA 7(a) and 504 loans, to identify, evaluate, and determine the appropriate course of action on potential credit quality, servicing, and compliance issues in order to maximize credit quality, preserve SBA guaranty eligibility, and minimize risk and potential loss to the company. Responsible for analyzing financial statements, cash flow, collateral, and industry trends while ensuring adherence to bank credit policy and SBA Standard Operating Procedures (SOPs).May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or 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. Works closely with lending, underwriting, servicing, and portfolio management teams to support SBA lending initiatives and ensure accurate credit documentation and risk assessment.Basic QualificationsBachelor’s degree, or equivalent work experienceTypically six or more years of relevant experiencePreferred Skills/ExperienceStrong credit analysis and analytical skillsThorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysisThorough knowledge of SBA lending programs, including SBA 7(a) and 504 loan structures, underwriting considerations, and servicing requirementsBackground in economics, accounting, and/or financeEffective technical report writing skills, including preparation of credit memorandums and loan approval packagesEffective verbal and written communication skillsProficient computer navigation skills using a variety of software packagesExperience reviewing financial statements, personal and business tax returns, cash flow analyses, collateral valuations, and guarantor support for SBA lending transactionsOther Preferred Qualifications:Experience with SBA 7(a) and 504 loan programs, including underwriting, portfolio monitoring, servicing, and annual review processesFamiliarity with SBA SOP 50 10Knowledge of SBA eligibility, guaranty preservation, collateral, and compliance requirementsProficiency in nCino, AFS, and ExcelEffective technical writing skills for credit memorandums, annual reviews, and credit approval documentationAbility to identify and escalate portfolio, servicing, and compliance risks associated with SBA-guaranteed loansExperience partnering with relationship managers, underwriters, and servicing teams to support small business lending objectivesIf 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. 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:Healthcare (medical, dental, vision)Basic term and optional term life insuranceShort-term and long-term disabilityPregnancy disability and parental leave401(k) and employer-funded retirement planPaid vacation (from two to five weeks depending on salary grade and tenure)Up to 11 paid holiday opportunitiesAdoption assistanceSick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawReview our full benefits available by employment status here. U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.E-VerifyU.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.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, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $111,095.00 - $130,700.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.Posting may be closed earlier due to high volume of applicants.Job SummaryJob number: 2026-0024273Date posted : 2026-08-28Profession: Credit Underwriting & LendingEmployment type: Full time