Sr. Credit Analyst - Equipment Finance (Large Ticket, Vendor Channel)

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 The Credit Analyst 6 role sits within Equipment Finance – Large Ticket Credit Underwriting, supporting the vendor channel. The team underwrites credit requests sourced through third-party vendors, operating in a fast-paced, transaction-driven environment with accelerated turnaround expectations. This position is responsible for evaluating and underwriting equipment finance transactions, typically with exposures exceeding $1MM. This role requires strong credit judgment, the ability to quickly assess risk, and the capability to deliver clear, well-structured credit recommendations with limited direct borrower interaction. Credit Underwriting & Risk Assessment Underwrite equipment finance credit requests submitted through vendor channels Analyze financial statements, credit packages, and supporting documentation to assess risk Identify key risks and mitigating factors; assign appropriate internal risk ratings Credit Memo & Decision Support Prepare credit memoranda in nCino, ranging from streamlined summaries to comprehensive packages based on deal complexity Develop clear, concise, and decision-ready recommendations for credit approvers Prepare pre-screen summaries to support efficient senior-level decisioning Pipeline & Deal Management Manage multiple transactions simultaneously Prioritize workload to meet deadlines and support timely deal execution Operate effectively in a high-volume, deadline-driven environment Collaboration & Communication Partner closely with sales teams, vendors, and internal stakeholders to move deals forward Communicate proactively on deal status, timelines, and potential issues Work with internal support teams (e.g., financial spreading teams) to resolve questions and ensure progress Basic Qualifications Bachelor’s degree, or equivalent work experience Typically six or more years of relevant experience Preferred Skills & Experience Demonstrated experience in commercial credit underwriting or financial analysis Strong ability to analyze financial statements and assess credit risk Prior experience in equipment finance underwriting Experience working with vendor-sourced or indirect transactions Knowledge of tax return analysis and global cash flow concepts Experience using nCino or similar credit platforms Exposure to industries such as manufacturing and healthcare Ability to work effectively in a fast-paced, high-volume environment Strong attention to detail with the ability to balance speed and accuracy Effective written and verbal communication skills Strong organizational and multitasking abilities Sound judgment with the ability to elevate issues appropriately Experience with nCino or similar credit underwriting platforms Microsoft Excel and other Office tools Familiarity with AI tools (e.g., Copilot) to enhance efficiency is a plus Location Expectations This role requires working from a U.S. Bank location three (3) or more days per week. This position can be located at any of the locations listed on the posting. Benefits 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 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: $105,400.00 - $124,000.00 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. Posting may be closed earlier due to high volume of applicants. #J-18808-Ljbffr Us Bank