Senior Credit Analyst – Equipment Finance, Large Ticket, Vendor Channel

U.S. Bank

Credit Analyst responsible for evaluating and underwriting equipment finance transactions for U.S. Bank.

Posted 6/25/2026full-timeGresham • Colorado, Minnesota, Ohio, Oregon • 🇺🇸 United StatesSenior💰 $105,400 - $124,000 per yearWebsite

About the role

Key responsibilities & impact

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
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
Manage multiple transactions simultaneously
Prioritize workload to meet deadlines and support timely deal execution
Collaborate closely with sales teams, vendors, and internal stakeholders to move deals forward
Communicate proactively on deal status, timelines, and potential issues

Requirements

What you’ll need

Bachelor’s degree, or equivalent work experience
Typically six or more years of relevant 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 escalate 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.

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

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Hard Skills & Tools

credit underwritingfinancial analysisrisk assessmenttax return analysisglobal cash flow analysisequipment finance underwritingvendor-sourced transactionsnCinoMicrosoft ExcelOffice tools

Soft Skills

attention to detailorganizational abilitiesmultitaskingeffective communicationsound judgmentability to prioritizecollaborationproactive communicationdecision-makingability to work in fast-paced environment