U.S. Bank is on a journey to help customers and businesses make smarter financial decisions. They are seeking a Healthcare Credit Analyst responsible for conducting credit analysis, approving credit extensions, and evaluating credit quality issues in the healthcare sector.
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
Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst 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
The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and/or decisions after various possibilities are considered
Qualification
Required
Bachelor's degree, or equivalent underwriting experience
Typically one or more years of underwriting experience
Bachelor's degree, or equivalent underwriting experience
Typically three or more years of underwriting experience
Bachelor's degree, or equivalent underwriting experience
Typically five or more years of underwriting experience
Preferred
Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits
Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
Background in economics, accounting, and/or finance
Excellent verbal and written communication skills
Proficient computer navigation skills using a variety of software packages including EXCEL and nCino
Strong underwriting, credit analysis and analytical skills working with complex healthcare credits
In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis
Strong verbal and written communication skills
Proficient computer navigation skills using a variety of software packages – including nCino
Advanced background in MS Office suite of products and skillset with MS Excel
Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits
Proficient computer navigation skills using a variety of software packages – including nCino and Credit Lens
Advanced background in MS Office suite of products and skillset with MS Excel
Benefits
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 (all benefits are subject to eligibility requirements)
