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U.S. Bank

SBA Credit Analyst

U.S. Bank

. Approve extensions of credit and/or make recommendations on final lending decisions for new, renewal, extension, and SBA-guaranteed loans .

Posted 9/29/2026full-timeUnited StatesMid-LevelSenior💰 $105,400 - $124,000 per yearWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in credit analysis, including evaluating borrower eligibility and compliance with SBA lending guidelines. Proficient in financial statement analysis and risk assessment, with strong communication skills for effective report writing and collaboration.

Highest-signal resume keywords
Credit AnalysisSBA Lending ProgramsFinancial Statement ReviewRisk AssessmentTechnical Report Writing

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Credit AnalysisRisk AnalysisFinancial Statement ReviewCash Flow AnalysisCollateral ValuationCredit Policy KnowledgeSBA 7(a) LoansSBA 504 LoansCredit AdministrationLoan Underwriting
Soft Skills
Effective CommunicationAnalytical SkillsCollaboration
Tools & Technologies
Credit Evaluation SoftwarePortfolio Management ToolsFinancial Analysis Software
Certifications & Qualifications
Master's DegreeCPA Certification
Industry Keywords
SBA Lending GuidelinesBank Credit PolicyLoan Approval PackagesCode of EthicsBusiness Conduct

About the role

Key responsibilities & impact
  • Approve extensions of credit and/or make recommendations on final lending decisions for new, renewal, extension, and SBA-guaranteed loans
  • Conduct complete credit analyses by gathering, analyzing, and interpreting credit information
  • Evaluate borrower eligibility, repayment capacity, collateral adequacy, and compliance with SBA lending guidelines and program requirements
  • Review customer accounts and portfolios, including SBA 7(a) and 504 loans, to identify and address credit quality, servicing, and compliance issues
  • Analyze financial statements, cash flow, collateral, and industry trends
  • Ensure adherence to bank credit policy and SBA Standard Operating Procedures (SOPs)
  • Use technological tools and computer software to evaluate credits and portfolios and compare possible courses of action
  • Make credit recommendations and/or decisions
  • Collaborate with lending, underwriting, servicing, and portfolio management teams
  • Support SBA lending initiatives and ensure accurate credit documentation and risk assessment

Requirements

What you’ll need
  • Bachelor’s degree, or equivalent work experience
  • Typically six or more years of relevant experience
  • Strong credit analysis and analytical skills
  • Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
  • Thorough knowledge of SBA lending programs, including SBA 7(a) and 504 loan structures, underwriting considerations, and servicing requirements
  • Background in economics, accounting, and/or finance
  • Effective technical report writing skills, including preparation of credit memorandums and loan approval packages
  • Effective verbal and written communication skills
  • Proficient computer navigation skills using a variety of software packages
  • Experience reviewing financial statements, tax returns, cash flow analyses, collateral valuations, and guarantor support for SBA lending transactions
  • Master's degree or CPA certification is preferred
  • 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