U.S. Bank

Credit Analyst – Auto Dealer Finance

U.S. Bank

full-time

Posted on:

Location Type: Office

Location: Newport Beach • California • Minnesota • United States

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Salary

💰 $86,530 - $101,800 per year

About the role

  • Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans
  • Conducts a complete credit analysis including gathering, analyzing, 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 maximize credit quality and minimize risk and potential loss
  • May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio
  • Makes recommendations and/or decisions after various possibilities are considered

Requirements

  • Bachelor’s degree, or equivalent work experience
  • Typically four or more years of relevant experience
  • Strong credit analysis and analytical skills
  • Thorough 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 analysisrisk analysiscredit administrationcredit policyanalytical skillseconomic analysisaccounting principlesfinance principlestechnical report writingcomputer navigation
Soft Skills
verbal communicationwritten communicationdecision makingrecommendation skillsanalytical thinking
Certifications
Bachelor's degreeMaster's degreeCPA certification