Credit Review Specialist

U.S. Bank; Warszawa; On-site; PLN 70,000 - 110,000; Full time

Benefits offered by this job

Market-competitive compensation

Education support

Career progression

Employee recognition programs

Health & wellness

Job summary

U.S. Bank's Elavon unit in Warsaw seeks a Credit Analyst to monitor customer accounts, assess creditworthiness, and reduce credit risk by analyzing data and financial statements. You will document decisions and support risk mitigation this role.

The position requires 1+ years of similar experience, strong analytical skills, and the ability to work cross-functionally within a global financial services organization.

Qualifications

• 1+ year of similar experience.
• Strong analytical skills to assess financial, behavioural, and transactional data.
• Ability to document credit decisions clearly and accurately.
• Excellent written and verbal communication.

Responsibilities

• Assess and monitor creditworthiness of existing customers and portfolios.
• Conduct credit reviews using behavioural data, processing patterns, research, and financial statements.
• Identify early risk indicators and recommend risk mitigation actions.
• Prepare and document clear credit assessments in line with policies.
• Maintain records, databases, and systems supporting credit decisions.
• Collaborate with internal teams to support risk management and customer outcomes.

Skills

Credit analysis

Risk management

AML

Databases

Case management tools

Cross-functional collaboration

Tools

Databases

Case management tools

Internal systems

Job description

At U.S. Bank, we’re 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, all 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 gives you 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.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation.

We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.

Job Description

Credit Analysts monitor customer accounts to spot potential issues early and reduce credit risk or loss for Elavon. They prepare credit assessment based on analyzing data, gathering information and interpret financial situation on existing customers.

Responsibilities

• Assess and monitor the creditworthiness of existing customers and portfolios
• Conduct credit reviews using behavioral data, processing patterns, industry research, and financial statements
• Identify early risk indicators and recommend appropriate risk mitigation actions
• Prepare and document clear credit assessments in line with policies and standards
• Maintain accurate records, databases, and systems supporting credit decisions
• Partner with internal teams to support effective risk management and customer outcomes

Preferred Skills

• Experience in credit analysis, risk, AML, or related financial services roles
• Understanding of credit risk principles and portfolio management
• Experience working with databases, internal systems, or case management tools
• Strong collaboration skills and comfort working cross‑functionally

Basic Qualifications

• 1+ years similar experience
• Strong analytical skills with the ability to assess financial, behavioural, and transactional data
• Attention to detail and ability to document credit decisions clearly and accurately
• Ability to manage multiple reviews in a deadline‑driven environment
• Good written and verbal communication skills

This role requires working from a U.S. Bank location three (3) or more days per week.

Accessibility

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.

Total Rewards

U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.

We offer a market-competitive compensation package that includes:

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
• Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).
• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
• Employee recognition programs that celebrate achievements and milestones for all.

We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.

We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon.

Closing Date

Posting may be closed earlier due to high volume of applicants.

We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.