U.S. Bank · 4 hours ago
Business Banking Credit Analyst 5
St Louis, MO
Full-time
Onsite
Senior Level
$86K/yr - $102K/yr
5+ years expU.S. Bank is on a journey to help customers and businesses make better financial decisions. The Business Banking Credit Analyst 5 is responsible for approving credit requests and conducting comprehensive credit analysis to support loan originations and portfolio management.
BankingFinancial ServicesInsuranceMortgageWealth Management
Responsibilities
Responsible for approving Business Banking commercial credit requests within delegated authority and/or providing well‑supported credit recommendations to the appropriate approver for new loan originations, renewals, extensions, and modifications
Conducts comprehensive underwriting and credit analysis by gathering, analyzing, and interpreting a wide range of borrower, guarantor, and transaction‑level credit information for existing and prospective business customers
Includes analysis of financial statements, cash flow and global debt service capacity, collateral adequacy, guarantor strength, industry and market risk, and overall creditworthiness in accordance with Business Banking credit policy and underwriting standards
Reviews assigned Business Banking portfolios and individual customer relationships to identify emerging credit risk, assess credit quality trends, and recommend risk‑mitigating actions as appropriate to support strong portfolio performance and minimize potential credit loss
Utilizes approved credit and underwriting systems, models, and analytical tools to evaluate individual credit requests and portfolios, assess alternative deal structures, and compare potential courses of action
Prepares clear, accurate, and well‑documented credit recommendations and/or decisions after considering multiple credit outcomes, risk mitigants, and policy requirements
Qualification
Required
Bachelor's degree, or equivalent work experience
Typically five or more years of relevant experience
Preferred
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
Master's degree or CPA certification is preferred
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
Company
U.S. Bank
At U.S.
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$991MKey Investors
U.S. Department of the TreasuryMitsubishi UFJ Financial Group
2023-09-29Post Ipo Debt· $55M
2023-08-03Post Ipo Debt· $936M
1978-01-13IPO
Leadership Team
John C Stern
CFO
C
Chris Lenhart
Executive Vice President & Deputy General Counsel
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