Credit Analyst Equipment Finance

At U.S. Bank were 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 atall from Day One.

The Equipment Finance Credit Analyst 4 is responsible for daytoday commercial credit underwriting activities including reviewing credit applications analyzing credit reports and financial information and preparing credit recommendations to support lending decisions. The role supports a diverse range of business lines and collateral types including office equipment healthcare equipment and commercial auto financing.

Key Responsibilities

Credit Underwriting

• Review and analyze commercial credit applications and credit reports
• Perform indepth credit analysis and prepare written credit summaries and recommendations for credit approvers
• Underwrite applicationonly transactions with exposure limits up to $1000000

Research & Analysis

• Research businesses seeking credit and evaluate creditworthiness
• Analyze credit reports limited financial information and thirdparty data
• Utilize tools such as Dun & Bradstreet and PayNet to support underwriting decisions

Internal Collaboration

• Correspond regularly with internal sales teams regarding credit applications and decisions
• Provide clear welldocumented credit rationale to support decisionmaking
• Interact occasionally with thirdparty vendors; role is not customerfacing

Reporting & Tools

• Use Excel to complete underwriting writeups using established templates
• Maintain accurate and consistent credit documentation

Basic qualifications:

• Bachelors degree or equivalent work experience
• Typically four or more years of relevant experience

Preferred skills/experience:

• Strong credit analysis and analytical skills
• Thorough 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
• Proficiency with the Microsoft Office Suite particularly Excel

Location expectations

This role requires working from a U.S. Bank location three (3) or more days per week in Marshall MN.

If theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to ourdisability 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. Thats 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:

• 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

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race religion color sex national origin age sexual orientation gender identity disability or veteran status and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about theE-Verify program.

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition certain positions may also be subject to the requirements of FINRA NMLS registration Reg Z Reg G OFAC the NFA the FCPA the Bank Secrecy Act the SAFE Act and/or federal guidelines applicable to an agreement such as those related to ethics safety or operational procedures.

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.

Posting may be closed earlier due to high volume of applicants.