Senior Credit Analyst

U.S. Bank

. Research and analyze the creditworthiness of financial institutions, foreign banks, broker-dealers, clearing organizations, government-sponsored entities, and sovereigns .

Posted 10/9/2026full-timeUnited StatesSenior💰 $105,400 - $124,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit underwriting and risk management, with a strong focus on analyzing financial institutions and sovereign risk. Capable of establishing credit limits and conducting thorough due diligence while ensuring compliance with regulatory standards.

Highest-signal resume keywords

Credit Underwriting ExperienceFinancial Institution AnalysisSovereign Risk AssessmentRisk Management Framework DevelopmentRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisDue DiligenceCredit Rating AssignmentProbability-of-Default AssessmentFinancial Performance EvaluationMarket Position AnalysisConcentration Risk AssessmentOperational Environment AssessmentAnalytical SkillsCritical Thinking

Soft Skills

Interpersonal SkillsRelationship ManagementCollaborationInfluencing SkillsIntellectual Curiosity

Certifications & Qualifications

FINRA RegistrationNMLS Registration

Industry Keywords

Counterparty Credit UnderwritingForeign BanksBroker-DealersGovernment-Sponsored EntitiesCapital MarketsCorporate TreasuryWealth ManagementComplianceBank Secrecy ActSAFE Act

About the role

Key responsibilities & impact

Research and analyze the creditworthiness of financial institutions, foreign banks, broker-dealers, clearing organizations, government-sponsored entities, and sovereigns
Perform due diligence and complete credit underwriting in accordance with established underwriting standards and credit policy
Assess operating environment, management, ownership, market position, concentrations, financial performance, key strengths and weaknesses, and relevant trends
Analyze sovereign and country risk, including the economic and political environment affecting counterparties
Assign internal credit ratings and probability-of-default assessments and prepare well-supported recommendations for approval
Establish, review, and manage credit limits for financial institutions, countries, and related counterparty activities
Conduct annual reviews for counterparties and countries
Partner with assigned Lines of Business, Risk, Compliance, Audit, and other lines of defense
Create, implement, maintain, review, or oversee an effective risk management framework
Participate in projects and activities ensuring compliance with federal, state, and local laws and regulations
Identify gaps and inform solutions that minimize losses from inadequate processes, systems, or human errors
Identify, respond to, and escalate risks as appropriate
Serve as a functional liaison between the Line of Business and Lines of Defense
Support business lines including International Financial Institutions, Correspondent Banking, Foreign Exchange, Corporate Treasury, Capital Markets, Corporate Payment Systems, Mortgage, Leasing, Wealth Management, and Trust

Requirements

What you’ll need

Bachelor's degree, or equivalent work experience
Typically more than six years of applicable experience
Two to three years of counterparty credit underwriting experience, preferably within a larger financial institution managing complex institutional exposures
Experience analyzing financial institutions, foreign banks, sovereign or country risk, broker-dealers, clearing organizations, or government-sponsored entities
Commercial credit underwriting experience may be considered when direct counterparty underwriting experience is not available
Strong analytical and critical-thinking skills, including the ability to evaluate complex information, market conditions, and global economic or political developments
Strong interpersonal, relationship-management, collaboration, and influencing skills across multiple business lines and stakeholder groups
Intellectual curiosity and an interest in global markets, economic developments, foreign banking systems, and country risk
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
Certain positions may be subject to requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or applicable federal guidelines

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 and pension