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At U.S. Bank, we’re 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 at—all from Day One.
Job Responsibility:
Responsible for approving the extension of credit and/or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit
Conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers
Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company
May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio
Requirements:
Bachelor’s degree, or equivalent work experience
Typically five or more years of relevant 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
Nice to have:
Master's degree or CPA certification is preferred
Prior experience in originating or monitoring a commercial loan portfolio consisting of loan requests in the agricultural sector – including spreading, financial analysis, etc.
What we offer:
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