Credit Analyst 5

U.S. Bank National Association • St. Louis, MO

4d

About The Position

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 to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst 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 to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

Requirements

• Bachelor’s degree, or equivalent work experience
• Typically five or more years of relevant experience

Nice To Haves

• 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

Responsibilities

• Approving the extension of credit
• Making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit
• Conducting a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers
• Reviewing 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 to the company
• Using technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio

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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level