Credit Review Specialist 2

US Bank; Irvine (CA); Ibrido; USD 36.000 - 47.000; Tempo pieno

Vantaggi offerti da questo lavoro

Healthcare

Life insurance

Disability insurance

Parental leave

Retirement plan (401(k))

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Descrizione del lavoro

U.S. Bank in Irvine, CA is seeking a credit analyst to evaluate and interpret credit information for existing and prospective customers and portfolios.

The role involves preparing detailed credit reports and presenting findings to lending decision makers, with data tracked in internal systems. You will monitor accounts and portfolios to identify risks, support onboarding and renewals, and help maximize credit quality while maintaining compliance with regulatory standards.

Competenze

• Bachelor's degree or equivalent work experience.
• Typically one or more years of related experience.
• Proficiency with nCino preferred.

Mansioni

• Conduct credit analyses and interpret credit information for customers and portfolios.
• Input data into tracking/reporting systems and prepare credit reports.
• Present credit reports to lending decision makers.
• Monitor accounts/portfolios to identify potential issues and maximize credit quality.

Conoscenze

Credit analysis

Analytical skills

Verbal and written communication

Time management

Formazione

Bachelor's degree, or equivalent work experience

Strumenti

nCino

Descrizione del lavoro

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

Responsible for conducting credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. 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 person(s) responsible for making lending decisions on new, renewal and extension loans. In some areas, this position may make credit decisions in a high-volume production environment. Monitors customer accounts and/or loan portfolios in order to identify potential issues and thereby maximize credit quality and minimize the company's credit risk and potential loss. Sets up and maintains databases used to analyze accounts and/or portfolios. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information relative to credit inquiries to appropriate parties.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically one or more years of related experience

Preferred Skills/Experience

• Basic knowledge of credit and risk analysis, economics, accounting and finance
• Strong analytical skills
• Effective verbal and written communication skills
• Time management skills
• Proficiency with nCino preferred

Location Expectations

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

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

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.

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: $25.77 - $34.33

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.