U.S. Bank

Business Banking Credit Analyst – Level 5

U.S. Bank

full-time

Posted on:

Location Type: Office

Location: Brookfield • Minnesota • North Carolina • United States

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Salary

💰 $86,360 - $101,600 per year

About the role

  • Responsible for approving Business Banking commercial credit requests within delegated authority and/or providing well‑supported credit recommendations for new loan originations, renewals, extensions, and modifications
  • Conducts comprehensive underwriting and credit analysis by gathering, analyzing, and interpreting a wide range of borrower, guarantor, and transaction‑level credit information
  • Analysis of financial statements, cash flow and global debt service capacity, collateral adequacy, guarantor strength, industry and market risk, and overall creditworthiness
  • Reviews assigned Business Banking portfolios and individual customer relationships to identify emerging credit risk, assess credit quality trends, and recommend risk‑mitigating actions
  • Utilizes approved credit and underwriting systems, models, and analytical tools to evaluate individual credit requests and portfolios
  • Prepares clear, accurate, and well‑documented credit recommendations and/or decisions after considering multiple credit outcomes, risk mitigants, and policy requirements

Requirements

  • Bachelor’s degree, or equivalent work experience
  • Typically five or more years of relevant experience
  • Strong credit analysis and analytical skills
  • 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
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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisunderwritingfinancial statement analysiscash flow analysisdebt service capacity analysiscollateral adequacy assessmentrisk analysiscredit policycredit administrationcredit recommendations
Soft Skills
analytical skillstechnical report writingverbal communicationwritten communication
Certifications
Bachelor's degreeMaster's degreeCPA certification