Credit Approval Officer

Job Title: Senior Credit Analyst Location: Austin, TX What you’ll do: As a Senior Credit Analyst you'll be primarily responsible to spread, manage and maintain financial background information on present and prospective customers, and develop credit studies for the Loan Officers, Chief Credit Officer and other Executive Management. You'll manage spread assignments, conduct financial analyses, and maintain related records and files. One of your key responsibilities is the preparation of a variety of credit department reports. Responsible for supporting the Credit Administration team in analyzing credit and collateral information to determine risk involved in lending money to customers. Collecting, organizing, analyzing company financials to ensure Bank compliance, and updates the Bank’s systems accordingly. Work directly with clients to resolve compliance issues and operational inquiries. Review client financials and perform sensitivity analysis to evaluate credit risk in connection with Bank structures. Prepare in-depth reports providing plans of action based on qualitative and quantitative research. Collaborate cross-functionally with Bank groups to execute treasury management products, foreign exchange instruments, derivatives as well as legal documents. Produce loan packages for new and restructured loans. Facilitate reporting and requests on behalf of the Bank with third parties, e.g. field auditors, appraisers, etc. Monitor loan disbursements to ensure compliance with Bank regulations. What you’ll need: 2+ years of related experience in Accounting, Finance or Economics or similar field. Bachelor's degree or equivalent experience required. Entry level to intermediate knowledge of general banking operations, including deposit operations, loan administration, treasury management and/or other commercial banking products and services. Entry level to intermediate knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. Entry level to intermediate knowledge and understanding of financial statements and ability to analyze business and financial data. Strong analytical, conceptual, communication, leadership, and organizational skills. Ability to self-motivate and work productively without supervision. Intermediate speaking and writing communication skills. Compensation: Hourly range for new hires is generally $36.74 - $45.38 for Costa Mesa, CA. Hourly range for new hires is generally $39.93 - $49.33 for San Francisco, CA. Salary amount is determined by specific job location. In addition, the role may be eligible for annual bonus/incentives earned. Benefits you’ll love: competitive salaries an ownership stake in the company medical and dental insurance time off a great 401k matching program tuition assistance program an employee volunteer program a wellness program opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands‑on experience to help grow your career! #J-18808-Ljbffr U.S. Bancorp