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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 Description

Responsible for approving the extension of Healthcare Business Banking credits 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 Healthcare Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers – this may also include conducting a Credit Interview with the client/prospect. 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 Healthcare Business Banking 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.

This active posting is for a Healthcare Credit Analyst role: Healthcare Credit Analyst 4, Healthcare Credit Analyst 5, Healthcare Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.

Healthcare Credit Analyst 4

Basic Qualifications

- Bachelor’s degree, or equivalent work experience

- Typically four or more years of relevant experience

Preferred Skills/Experience

- Experience with 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

- Effective technical report writing skills

- Excellent verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages as well as nCino

Healthcare Credit Analyst 5

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 working with complex healthcare credits

- 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

- Strong verbal and written communication skills

- 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

Healthcare Credit Analyst 6

Basic Qualifications

- Bachelor’s degree, or equivalent work experience

- Typically six or more years of relevant experience

Preferred Skills/Experience

- Three or more years of advanced credit analysis and analytical skills working specifically with complex healthcare credits

- 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

- 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

This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-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. 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 (some may vary based on role, location or hours):

+ 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

E-Verify

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 - $111,760.00

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.