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U.S. Bank
U.S. Bank
ConsultingInsuranceLogistics
U.S. Bank is a United States-based financial services institution serving individuals and businesses through retail and corporate banking, wealth management, credit underwriting, and investment management. The company also supports financial literacy initiatives and community engagement. Its careers content highlights an emphasis on inclusion, workplace culture, employee development, and health and wellness. U.S. Bank is an FDIC member for eligible deposit products; investment and insurance products are not FDIC insured and may lose value.
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SBA Credit Analyst - U.S. Bank Onsite

Evaluate borrower risk and support SBA loan decisions at U.S. Bank in an onsite credit analyst role. Assess financial statements, collateral, cash flow, portfolio quality, and compliance.

USUnited StatesAZArizonaCACaliforniaMNMinnesotaNCNorth CarolinaOHOhioOROregonTXTexasWIWisconsin
$105,400 – $124,000 / year
On-siteFull-timeMiddleSeniorEnglish RequiredAnalyst

Description

  • Approve credit extensions and recommend final lending decisions for new, renewed, extended, and SBA-guaranteed loans
  • Complete credit reviews by collecting, assessing, and interpreting relevant borrower and credit information
  • Assess borrower eligibility, repayment ability, collateral sufficiency, and compliance with SBA lending rules and program standards
  • Examine customer accounts and portfolios, including SBA 7(a) and 504 loans, to identify and resolve credit quality, servicing, and compliance concerns
  • Review financial statements, cash flow, collateral, and relevant industry trends
  • Follow bank credit policies and SBA Standard Operating Procedures (SOPs)
  • Apply technology and software tools to assess credits and portfolios and evaluate alternative courses of action
  • Provide credit recommendations and make credit decisions within assigned authority
  • Work with lending, underwriting, servicing, and portfolio management teams
  • Advance SBA lending initiatives while maintaining accurate credit records and sound risk assessments

Requirements

  • Bachelor’s degree or comparable professional experience
  • Usually six or more years of relevant experience
  • Strong capabilities in credit analysis and broader analytical work
  • In-depth understanding of credit analysis, credit administration, credit policies and procedures, and risk analysis
  • Comprehensive knowledge of SBA lending programs, including 7(a) and 504 structures, underwriting factors, and servicing obligations
  • Academic or professional background in economics, accounting, or finance
  • Ability to write technical reports, including credit memorandums and loan approval packages
  • Clear and effective written and verbal communication skills
  • Proficiency navigating computers and using a range of software applications
  • Experience evaluating financial statements, tax returns, cash flow analyses, collateral valuations, and guarantor support for SBA transactions
  • A master’s degree or CPA certification is preferred
  • Ability to follow U.S. Bank policies and procedures, including its Code of Ethics and Business Conduct and applicable workplace conduct and safety requirements

Benefits

  • Medical, dental, and vision healthcare coverage
  • Basic and optional term life insurance
  • Short- and long-term disability coverage
  • Pregnancy disability and parental leave
  • 401(k) plan and employer-funded retirement plan
  • Paid vacation ranging from two to five weeks based on salary grade and tenure
  • Up to 11 paid holidays
  • Adoption assistance
  • Sick and Safe Leave accrued at one hour per 30 hours worked, up to 80 hours per calendar year unless law provides otherwise
  • Incentive and employee recognition programs
  • Employee equity stock purchase opportunity
  • 401(k) contribution
  • Pension

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