SBA Credit Analyst 5 & 6 (PMG)

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

This role will support SBA Risk Rated Portfolio Monitoring Group (PMG)

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.

This active posting is for an SBA Credit Analyst role: SBA Credit Analyst 5 & SBA Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.

SBA Credit Analyst 5 (PMG)

Basic Qualifications
- Bachelor’s degree, or equivalent work experience
- Typically five or more years of relevant experience

Preferred Skills/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

- SBA underwriting experience

- Experience in managing complex portfolios with large exposures

- Proficiency in nCino

- Proficiency in Excel

- Effective verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages
- Master's degree or CPA certification is preferred

SBA Credit Analyst 6 (PMG)

Basic Qualifications
- Bachelor’s degree, or equivalent work experience
- Typically six or more years of relevant experience

Preferred Skills/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

- SBA underwriting experience

- Experience in managing complex portfolios with large exposures

- Prior PCM experience a plus

- Proficiency in nCino

- Proficiency in FCC analysis

- Expert Proficiency in Excel

- Effective verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages
- Master's degree or CPA certification is preferred

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

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.

Benefits: 

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 (some may vary based on role, location or hours):

• Healthcare (medical, dental, vision)

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