Credit Analyst

U.S. Bank

. Approve the extension of credit and/or make recommendations to final lending decision-makers on new, renewal, and extension loans .

Posted 10/6/2026full-timeUnited StatesMid-LevelSenior💰 $92,820 - $109,200 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis, risk assessment, and commercial underwriting, with a strong foundation in finance and economics. Proficient in utilizing technological tools for effective credit evaluations and decision-making.

Highest-signal resume keywords

Credit AnalysisCommercial UnderwritingRisk AnalysisTechnical Report WritingVerbal And Written Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AdministrationCredit Policy And ProceduresFinancial UnderwritingAnalytical SkillsEconomic AnalysisAccounting PrinciplesPortfolio ReviewCredit Quality AssessmentDecision-MakingData Interpretation

Soft Skills

Effective CommunicationProblem-SolvingCollaborationAttention To DetailCritical Thinking

Tools & Technologies

Credit Analysis SoftwareFinancial SoftwareData Analysis ToolsMicrosoft Office SuiteDatabase Management Systems

Industry Keywords

Commercial Real EstateCredit Risk ManagementU.S. Bank PoliciesCode Of EthicsBusiness Conduct

About the role

Key responsibilities & impact

Approve the extension of credit and/or make recommendations to final lending decision-makers on 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 and minimize risk and potential loss to the company
Use technological tools and computer software to assist in credit analysis
Compare and evaluate possible courses of action and make recommendations and/or decisions

Requirements

What you’ll need

Bachelor’s degree, or equivalent work experience
Typically five or more years of relevant experience
Commercial underwriting strongly preferred
Commercial real estate underwriting strongly preferred
Individual or personal financial underwriting
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
Ability to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Benefits

Comp & perks

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
Incentive and recognition programs
Equity stock purchase
401(k) contribution
Pension