Business Banking Credit Analyst 5

U.S. Bank is on a journey to help customers and businesses make smarter financial decisions. The Business Banking Credit Analyst 5 is responsible for approving credit requests and conducting thorough credit analysis to support lending decisions.

Responsibilities:

• Responsible for approving Business Banking commercial credit requests within delegated authority and/or providing well‑supported credit recommendations to the appropriate approver 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 for existing and prospective business customers
• Includes analysis of financial statements, cash flow and global debt service capacity, collateral adequacy, guarantor strength, industry and market risk, and overall creditworthiness in accordance with Business Banking credit policy and underwriting standards
• Reviews assigned Business Banking portfolios and individual customer relationships to identify emerging credit risk, assess credit quality trends, and recommend risk‑mitigating actions as appropriate to support strong portfolio performance and minimize potential credit loss
• Utilizes approved credit and underwriting systems, models, and analytical tools to evaluate individual credit requests and portfolios, assess alternative deal structures, and compare potential courses of action
• 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
• Prior experience in monitoring a commercial loan portfolio – including spreading, financial analysis, etc
• 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