Business Banking Credit Analyst 5
Spokane, Washington residents: If a street address is not available, enter N/A when completing a job application.Job Description Responsible for approving Business Banking commercial credit requests within delegated authority and/or providing well‑supported credit recommendations to the appropriate approver for new loan originations, renewals, extensions, and modifications. Credit products may include commercial term loans, revolving lines of credit, equipment financing, and other Business Banking lending solutions. Prior to rendering a credit decision or recommendation, the Credit Analyst conducts comprehensive underwriting and credit analysis by gathering, analyzing, and interpreting a wide range of borrower, guarantor, and transaction‑level credit information for existing and prospective business customers. This includes analysis of financial statements, cash flow and global debt service capacity, collateral adequacy, guarantor strength, industry and market risk, and overall creditworthiness in accordance with Business Banking credit policy and underwriting standards. Reviews assigned Business Banking portfolios and individual customer relationships to identify emerging credit risk, assess credit quality trends, and recommend risk‑mitigating actions as appropriate to support strong portfolio performance and minimize potential credit loss. Utilizes approved credit and underwriting systems, models, and analytical tools to evaluate individual credit requests and portfolios, assess alternative deal structures, and compare potential courses of action. Prepares clear, accurate, and well‑documented credit recommendations and/or decisions after considering multiple credit outcomes, risk mitigants, and policy requirements. The successful candidate should have prior experience in monitoring a commercial loan portfolio – including spreading, financial analysis, etc. Basic Qualifications - Bachelor’s degree, or equivalent work experience - Typically five or more years of relevant experience Preferred Skills/Experience - 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 - Master's degree or CPA certification is preferred 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. That's 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. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $86,360.00 - $101,600.00 Apply tot his job Apply To this Job