Credit Analyst

At U.S. Bank, we are on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways—more confidently and more often—that's what we call the courage to thrive. 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 offers a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills, and discover what you excel at—all from Day One.

Job Description

Responsible for conducting credit analyses, including gathering, analyzing, and interpreting all types of credit information on the existing portfolio. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and / or reporting computer systems and / or databases. Prepares and presents credit reports to persons responsible for making credit decisions. Sets up and maintains databases used to analyze accounts and / or portfolios. Accounts will be monitored to identify potential risks to mitigate losses to Elavon. Prepares and presents credit reports to persons responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information related to credit inquiries to appropriate parties.

Main Duties include :

• Analyze existing customers with exposure below 750K
• Complete financial and business analysis reports within our systems or in written form as required
• Work closely with our Customer Due Diligence & Fraud, Collections, Chargebacks Departments when required
• Make credit decisions on the cases assigned
• Deal with customers and Sales team on a range of credit & risk issues
• Effective time management and ability to meet deadlines
• Good team player
• Ability to identify when an issue needs to be escalated
• Positive approach and the ability to be self-motivated
• Support management with tasks as necessary

Basic Qualifications

Preferred Skills / Experience

Benefits

We offer an exciting, fast-paced, and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

Required Experience

Key Skills

Financial Statement Preparation, Credit Analysis, Cash Flow Analysis, Math, Banking, Analysis Skills, UCC Law, Underwriting, Financial Analysis, Financial Modeling, Financial Report Interpretation, Word Processing

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