Credit Analyst

U.S. Bank Credit Analyst Responsible for analysis, underwriting, and collaborating with bankers on extensions 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 advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analysing, 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 maximise credit quality and minimise 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. Basic Qualifications Bachelor's degree, or equivalent work experience Typically five or more years of relevant experience Preferred Skills/Experience Strong background in commercial underwriting Strong credit analysis and analytical skills Advanced knowledge of personal and business analysis In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis Effective time management and prioritisation skills Comfortable handling a wide variety of credit request and borrower types Background in economics, accounting, and/or financeEffective technical report writing skills Effective verbal and written communication skills Proficient computer navigation skills using a variety of software packages, such as nCino, CreditLens, and Hogan 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 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 U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, colour, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. 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. 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 programmes, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $92,820.00 - $109,200.00 #J-18808-Ljbffr Minnesota Jobs