SBA Credit Analyst 5

US Bank; Los Angeles (CA); Presencial; USD 98 000 - 116 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Healthcare (medical, dental, vision)

401(k) plan

Paid vacation

Life insurance

Disability insurance

Resumo da oferta

U.S. Bank in Los Angeles seeks a Credit Analyst to approve credit extensions and advise final lending decisions.

You will conduct comprehensive credit analyses, gather and interpret data on existing and prospective customers, and use analytical tools to support underwriting recommendations. The role requires strong analytical skills, familiarity with credit policies, and effective written and verbal communication.

Qualificações

• Bachelor's degree or equivalent work experience.
• Typically five or more years of relevant experience.
• Preferred SBA originations or portfolio underwriting experience.

Responsabilidades

• Approve extension of credit and advise final lending decisions.
• Gather, analyze, and interpret credit information on customers.
• Identify credit quality issues to maximize quality and minimize risk.
• Use analytical tools to support credit decisions.

Conhecimentos

Credit analysis

Analytical skills

SBA originations

Portfolio underwriting

nCino

Credit policy

Risk analysis

Formação académica

Bachelor's degree

Master's degree or CPA

Ferramentas

nCino lending platform

Moody's CreditLens

Descrição da oferta de emprego

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 approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically five or more years of relevant experience

Preferred Skills/Experience

• SBA originations and/or portfolio underwriting experience
• Strong credit analysis and analytical skills
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Effective technical report writing skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages
• Familiarity with nCino lending platform
• Moody's CreditLens experience
• Detail-oriented and self-motivated
• Ability to work and problem solve independently
• Excels in high volume, fast paced production environment
• Background in economics, accounting, and/or finance
• Master's degree or CPA certification is 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

Review our full benefits available by employment status here .

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: $98,345.00 - $115,700.00

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