Credit Analyst

U.S. Bank Europe DAC, Representative Office; Madrid; Híbrido; EUR 30.000 - 60.000; Jornada completa

Descripción de la vacante

Join a forward-thinking financial institution committed to helping clients make informed decisions. This role involves conducting credit analyses, preparing reports, and collaborating with various departments to ensure effective risk management. The ideal candidate will thrive in a dynamic environment, showcasing strong analytical and communication skills while delivering exceptional customer service. Embrace the opportunity to grow in a diverse workplace that values your contributions and supports your career development. If you're looking for a role where you can make a real impact, this is the perfect fit for you.

Formación

• 2-3 years of experience in credit analysis or related fields.
• Ability to read and interpret financial statements.

Responsabilidades

• Conduct credit analyses and prepare credit reports.
• Monitor accounts to identify potential risks.

Conocimientos

Credit Analysis

Financial Statement Preparation

Communication Skills

Customer Service

Attention to Detail

Time Management

Microsoft Office Skills

Analytical Skills

Educación

Bachelor's Degree

Descripción del empleo

At U.S. Bank, we are on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways—more confidently and more often—that's what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank offers a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills, and discover what you excel at—all from Day One.

Job Description

Responsible for conducting credit analyses, including gathering, analyzing, and interpreting all types of credit information on the existing portfolio. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Prepares and presents credit reports to persons responsible for making credit decisions. Sets up and maintains databases used to analyze accounts and/or portfolios. Accounts will be monitored to identify potential risks to mitigate losses to Elavon. Prepares and presents credit reports to persons responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information related to credit inquiries to appropriate parties.

Main Duties include:

• Analyze existing customers with exposure below 750K
• Complete financial and business analysis reports within our systems or in written form as required
• Work closely with our Customer Due Diligence & Fraud, Collections, Chargebacks Departments when required
• Make credit decisions on the cases assigned
• Deal with customers and Sales team on a range of credit & risk issues
• Effective time management and ability to meet deadlines
• Good team player
• Ability to identify when an issue needs to be escalated
• Positive approach and the ability to be self-motivated
• Support management with tasks as necessary

Basic Qualifications

• Bachelor's degree or equivalent work experience
• Two to three years of related experience

Preferred Skills / Experience

• Ability to read and interpret financial statements
• Previous credit underwriting experience is an advantage
• Strong verbal and written communication skills in English
• Accuracy and attention to detail
• Ability to work in a fast-paced environment
• Good Microsoft Office Skills
• Excellent interpersonal skills and customer service
• Proven track record of dealing with difficult customer queries and providing excellent customer service
• Alternative language skills are an advantage but not a requirement
• The role offers a hybrid/flexible schedule, with in-office expectation of 3 or more days per week and flexibility to work outside the office for other days.
• Please ensure your CV and application are submitted in English.
• If there is anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits

We offer an exciting, fast-paced, and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

Required Experience

Key Skills

Financial Statement Preparation, Credit Analysis, Cash Flow Analysis, Math, Banking, Analysis Skills, UCC Law, Underwriting, Financial Analysis, Financial Modeling, Financial Report Interpretation, Word Processing