Credit Analyst

U.S. Bank

. Perform financial analysis, credit monitoring, and portfolio management activities in accordance with bank credit policies and underwriting standards within the Internal Asset Review (IAR) group .

Posted 4/15/2026full-timeBrea • California, Minnesota • 🇺🇸 United StatesJunior💰 $75,905 - $89,300 per yearWebsite

About the role

Key responsibilities & impact

Perform financial analysis, credit monitoring, and portfolio management activities in accordance with bank credit policies and underwriting standards within the Internal Asset Review (IAR) group
Oversee accurate and consistent spreading of borrower financial statements in accordance with bank spreading standards and credit policies
Prepare quarterly trend analyses, monitoring reports, and covenant compliance testing
Analyze financial data and prepare clear, comprehensive written credit analyses
Review annual credit files, including validating and adjusting financial spreads
Manage quarterly monitoring for loans over $10MM and annual monitoring for most loans
Monitor portfolio credit quality and assist with industry and sector reviews
Track and monitor problem credits through the PCMR system, including quarterly reviews of watch‑listed credits
Conduct covenant testing to ensure compliance with credit agreements
Perform limited sponsor reviews for select relationships above defined thresholds
Contact clients for clarification or additional financial information as needed
Address unique credit situations, including asset ownership changes and borrower or guarantor changes, and support related client communications
Maintain a compliance monitoring and financial statistics database tracking credit agreement requirements, receipt of required borrower financial reporting, key credit metrics and trend data
Ensure accuracy, consistency, and completeness of credit documentation to meet audit and regulatory requirements
Manage a high volume of work while maintaining strong attention to detail

Requirements

What you’ll need

Bachelor’s degree, or equivalent work experience
Up to one year of experience in a finance, analytical, or related role
Educational background in economics, accounting, or finance, with the ability to apply concepts to credit and lending analysis
Strong analytical and critical‑thinking skills, with the ability to synthesize financial information into clear, well‑supported conclusions
Effective technical and analytical report‑writing skills
Clear, professional verbal and written communication skills, including comfort communicating by phone with internal partners and clients when needed
Intermediate Excel skills required; familiarity with the Microsoft Office Suite expected
Strong organizational, multitasking, and time‑management skills to effectively manage a high volume of credit reviews
High attention to detail, with a focus on accuracy and completeness
Ability to perform effectively in a fast‑paced, high‑volume environment
Coachable mindset with a strong desire to learn and grow in credit analysis and portfolio management

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

financial analysiscredit monitoringportfolio managementcovenant compliance testingfinancial data analysiscredit analysiscredit documentationcredit agreement complianceanalytical report writingfinancial statement spreading

Soft Skills

analytical skillscritical thinkingverbal communicationwritten communicationorganizational skillsmultitaskingtime managementattention to detailcoachabilityadaptability