U.S. Bank

Credit Analyst

U.S. Bank

full-time

Posted on:

Location Type: Office

Location: Brea • California • Minnesota • United States

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Salary

💰 $75,905 - $89,300 per year

Job Level

Junior

About the role

  • 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

  • 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
  • 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
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