SBA Credit Analyst, Level 6

Jobtailor; Arizona; On-site; USD 85,000 - 110,000; Full time

Job summary

U.S. Bank in Arizona seeks a Senior Credit Analyst to assess credit risk, conduct thorough analyses of financial data, and support lending decisions for new, renewal, and extension credits.

You will review portfolios, identify potential issues, prepare detailed reports, and present clear recommendations to stakeholders while ensuring compliance with credit policy, ethics codes, and risk management standards.

Qualifications

• Bachelor’s degree or equivalent work experience.
• Typically six or more years of relevant experience.
• Strong credit analysis and analytical skills.
• Knowledge of credit analysis, credit administration, risk analysis, and credit policy.
• Background in economics, accounting, and/or finance.
• Effective technical report writing skills.
• Verbal and written communication skills.
• Proficient with various software packages and credit analysis tools.
• Ability to comply with U.S. Bank policies and Code of Ethics and Conduct.

Responsibilities

• Approve extensions of credit and make recommendations to final lending decision-makers for new/renewal/extension loans.
• Conduct complete credit analyses by gathering, analyzing, and interpreting information on existing and prospective customers.
• Review customer accounts and portfolios to identify, evaluate, and determine actions on potential credit quality issues.
• Maximize credit quality while minimizing risk and potential loss to the company.
• Use tools and software to assist in credit analysis of individual credits or portfolios.
• Compare and evaluate possible actions and make recommendations or decisions.

Skills

Credit Analysis

Analytical Skills

Verbal Communication

Written Communication

Technical Report Writing

Policy Knowledge

Education

Bachelor's degree

Tools

Credit Analysis Software

Computer Navigation Skills

Job description

• Approve extensions of credit and/or make recommendations to final lending decision-makers for new, renewal, and extension loans
• Conduct complete credit analyses by gathering, analyzing, and interpreting credit information on existing and prospective customers
• Review customer accounts and portfolios to identify, evaluate, and determine appropriate action on potential credit quality issues
• Maximize credit quality while minimizing risk and potential loss to the company
• Use technological tools and computer software to assist in credit analysis of individual credits or portfolios
• Compare and evaluate possible courses of action and make recommendations and/or decisions

Requirements

• Bachelor’s degree, or equivalent work experience
• Typically six or more years of relevant experience
• Strong credit analysis and analytical skills
• In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
• Background in economics, accounting, and/or finance
• Effective technical report writing skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages
• 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

Core Competencies

Demonstrates expertise in credit analysis, risk assessment, and financial evaluation, with a strong ability to communicate findings effectively. Proficient in utilizing technological tools for comprehensive credit assessments and decision-making.

Highest-signal resume keywords

• Credit Analysis
• Risk Analysis
• Technical Report Writing
• Verbal Communication
• Credit Policy Knowledge

Hard Skills

• Credit Analysis
• Risk Analysis
• Credit Administration
• Financial Evaluation
• Analytical Skills
• Economics Knowledge
• Accounting Knowledge
• Finance Knowledge

Soft Skills

• Effective Communication
• Analytical Thinking

Industry Keywords

• Credit Policy
• Credit Quality
• U.S. Bank Compliance
• Business Conduct

Tools & Technologies

• Credit Analysis Software
• Computer Navigation Skills