Business Banking Relationship Analyst (Credit)

U.S. Bank; Sarasota (FL); On-site; USD 98,000 - 116,000; Full time

Benefits offered by this job

Healthcare

Life insurance

Disability

Parental leave

401(k)

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Job summary

U.S. Bank in Florida (Sarasota area) is seeking a Business Banking Relationship Analyst (Credit) to partner with Relationship Managers, build client relationships, and help move opportunities forward, delivering an exceptional client experience.

The role emphasizes credit analysis, communication, collaboration, and a proactive approach in a fast-paced team, with responsibilities spanning deal support, onboarding, and ongoing portfolio management.

Qualifications

• Bachelor's degree or equivalent work experience
• Five to eight years of Business Banking experience
• Strong analytical and problem-solving abilities
• Knowledge of bank products and credit policy/procedure

Responsibilities

• Partner with Relationship Managers on client discovery, deal qualification, and loan structuring
• Provide financial analysis and support pricing decisions while maintaining urgency
• Manage deal activity and pipeline progression, identifying obstacles early
• Develop understanding of client's business, financial needs, and relationship opportunity
• Gather, review, and organize required client and credit documentation
• Assist with deal summaries, credit requests, product solutions, and execution activities
• Coordinate appraisal, documentation, closing, and onboarding activities to keep deals moving
• Communicate proactively with Relationship Managers and internal partners about opportunity status
• Help create a seamless, responsive experience that reinforces relationship value
• Support ongoing portfolio management, including loan renewals, pricing updates, and covenant tracking
• Maintain accurate client and opportunity data in bank systems

Skills

Analytical skills

Problem solving

Communication skills

Team collaboration

Credit knowledge

Education

Bachelor's degree or equivalent

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 and enabling the communities we support to grow and succeed. 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 at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Business Banking Relationship Analyst (Credit) is a key member of our Florida Business Banking team, partnering closely with Relationship Managers to help us build relationships, create momentum, execute opportunities, and deliver an exceptional client experience.

This is more than a traditional credit support role. We are looking for someone who brings energy, curiosity, urgency, and a strong desire to win as a team.

The right person thrives in a fast-paced, highly collaborative environment, takes ownership, anticipates what needs to happen next, and enjoys being an active part of building something special.

Success in this role requires strong credit and analytical capabilities, but equally important is the ability to communicate, collaborate, problem-solve, and move opportunities forward. Our expectation is simple: bring positive energy, raise the level of the people around you, and help the entire Florida team win.

KEY RESPONSIBILITIES

Credit & Deal Support

• Partner closely with Relationship Managers on client discovery, deal qualification, and loan structuring.

• Provide thoughtful financial analysis and support pricing decisions while maintaining a strong sense of urgency.

• Actively manage deal activity and pipeline progression, identifying obstacles early and helping the team find solutions.

• Develop a strong understanding of the client's business, financial needs, and overall relationship opportunity.

Client Onboarding & Execution

• Take ownership of gathering, reviewing, and organizing required client and credit documentation.

• Assist with deal summaries, credit requests, product solutions, and execution activities.

• Coordinate appraisal, documentation, closing, and onboarding activities to keep deals moving.

• Communicate proactively with Relationship Managers and internal partners so everyone understands where an opportunity stands and what needs to happen next.

• Help create a seamless, responsive experience that reinforces the value of the relationship from the beginning.

Portfolio Management & Client Support

• Support ongoing portfolio management, including loan renewals, pricing updates, financial analysis, covenant tracking, and risk monitoring.

• Maintain accurate and timely client and opportunity information within bank systems.

Basic Qualifications

• Bachelor's degree, or equivalent work experience

• Five to eight years of Business Banking experience

Preferred Skills/Experience

• Well-developed analytical and problem-solving skills

• Basic knowledge of bank products and services that results in successfully capitalizing on all opportunities to deepen the relationship

• Basic knowledge of credit administration, analysis, and credit policy/procedure

• Demonstrated understanding of complex financial accounting and analysis

• Ability to work effectively with individuals and groups across the company to manage customer relationships

• Effective verbal and written communication skills

Location

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

If there's 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 (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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

Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $98,175.00 - $115,500.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

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