SBA Credit Analyst 6

U.S. Bank; Dallas (TX); Sur place; USD 105 000 - 124 000; Plein temps

Avantages offerts par ce poste

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement

Paid vacation

11 paid holidays

Adoption assistance

Sick and Safe Leave

Résumé du poste

U.S. Bank is seeking a seasoned SBA and commercial credit underwriter to independently analyze and underwrite complex transactions, and to develop lending recommendations for originations, renewals, and extensions.

You will apply SBA 7(a) and 504 lending requirements, conduct financial analysis, and assess risk while collaborating with internal partners. This role requires a bachelor's degree and at least six years of relevant experience.

Qualifications

• Bachelor's degree or equivalent work experience.
• Typically six or more years of relevant work experience.
• SBA 7(a) and 504 lending requirements experience preferred.

Responsabilités

• Independently analyzes and underwrites complex SBA and commercial credit transactions.
• Develops lending recommendations for new originations, renewals, and extensions.
• Performs comprehensive credit analysis, including financial statement spreading, cash flow and repayment capacity analysis.
• Evaluates credit requests and existing relationships to identify risk and minimize potential loss.

Connaissances

Financial analysis

Credit decisioning

Communication

Operating style

nCino

Formation

Bachelor's degree or equivalent

Outils

nCino

Description du poste

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

Independently analyzes and underwrites complex SBA and commercial credit transactions and develops lending recommendations for new originations, renewals, and extensions.

Demonstrates in-depth knowledge of SBA 7(a) and 504 lending requirements and applies SBA SOPs and internal credit policies to independently assess eligibility, structure transactions, identify policy considerations, and develop sound credit recommendations.

Performs comprehensive credit analysis, including financial statement spreading, cash flow and repayment capacity analysis, credit risk assessment, and evaluation of transaction structure to support sound lending decisions.

Evaluates credit requests and existing credit relationships to identify credit quality concerns, mitigate risk, and minimize potential loss.

Utilizes credit systems, financial analysis software, and other technology-based tools to support the underwriting and credit analysis process.

Basic Qualifications

• Bachelors degree or equivalent work experience
• Typically six or more years of relevant work experience

Preferred Qualifications

• Preferred: Direct SBA credit analysis and underwriting.
• Transferable: C&I underwriting, broad commercial credit, financial analysis, or accounting.
• Financial analysis: Reads, spreads, and interprets financials and explains the story behind metrics.
• Credit decisioning: Assesses risk, structures commercial credit, and understands approval processes. Mild Concerns / Development Areas
• Complexity: Navigates SBA rules alongside internal credit policy and varied deal structures.
• Communication: Strong written and verbal communication with internal partners.
• Operating style: Comfortable in a fast-paced environment with multiple priorities.
• Technology: nCino experience is beneficial, but not required.

Location Expectations

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:

• 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: $105,400.00 - $124,000.00

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.