SBA Credit Analyst 6

About U.S. Bank At U.S. Bank, we help millions of clients achieve their goals with a balance of best-in-class technology and human expertise tailored to individual needs. As the fifth-largest commercial bank in the United States, we’ve built a reputation for strength and stability across a diversified mix of businesses, including commercial and institutional banking, business banking, payments, wealth management and consumer banking. We’ve been named one of the World’s Most Ethical Companies® by the Ethisphere Institute and the most admired superregional bank by Fortune. In addition to thousands of branches serving consumers, U.S. Bank offers a complete suite of products, services and strategic partnerships for business. Within our Wealth, Corporate, Commercial and Institutional Banking division, we serve more than half a million clients across the country and around the world, ranging from wealthy individuals and families to the largest corporations, including 90% of Fortune 1000 companies. We’re also consistently recognized as a great place to work. We’re shaping our company culture with intention, focused on creating a workplace where it’s safe to speak up, share ideas and try new things. We’re proud to be recognized as a “Best for Vets” employer by the Military Times and included on Fair360’s (formerly DiversityInc.) list of Top 50 Companies for Diversity. U.S. Bank, NA. Member FDIC. Equal Housing Lender.

U.S. Bank

Asset-based lendingCommercial lendingCustody servicesEquipment financingForeign exchangeFund servicesGlobal payments and receivablesLiquidity and asset managementLoan syndicationMarket risk management

U

usbank.com/index.html

10,001+ employees

Banking

Minneapolis, MN

Public Company

644k LinkedIn followers

Raised $991M

• 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.

Required

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

Preferred

• 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.
• 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.

• 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.
• 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
• 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.