credit analyst Los Angeles, CA
Job description
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
U.S. Bank has a great opportunity for an experienced Credit Approval Officer to support our Business Banking organization. This individual will be part of a team supporting Business Banking California and West Regions on Commercial and Investment Real Estate lending.
The Credit Approval Officer will approve loans in excess of Business Banking Credit Services authority with a focus on larger and more complex Business Banking portfolios and ensures conformity with bank policies. The individual will work with underwriting and sales teams on transaction and covenant structures. The incumbent will be integral to ensure that ongoing administration and review is adequate to maintain the loan portfolios' quality and profitability. This person will be accountable for an effective partnership between the Line of Business and the Lines of Defense.
Basic Qualifications:
- Bachelor's degree, or equivalent work experience
- Typically more than 10 years of applicable experience
Preferred Skills/Experience:
3 or more years of managerial experience.
Strong problem solving, credit and analytical skills and ability to proactively manage risk.
Considerable knowledge of applicable credit policies, regulations, financial services, and regulatory trends that impact business banking.
Excellent communication and negotiation skills.
Ability to guide and influence underwriting and sales teams to align with the bank’s risk culture and appetite.
Ability to collaborate effectively with business units to innovate and strategically grow the credit portfolio while appropriately managing risk.
Ability to handle stressful situations while maintaining trusting relationships with the business line and other stakeholders.
Strong understanding of the business line’s operations, products/services, systems, and associated risks/controls.
Expert knowledge of Risk/Compliance/Audit competencies.
INDMO
#LI-Hybrid
- This role is hybrid. Team members who are in a hybrid role typically spend three days a week at a U.S. Bank location, while having flexibility on their work location for the other working days.
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.
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
EEO is the Law
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.
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, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $125,715.00 - $147,900.00 - $162,690.00U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.About U.S. Bank
CEO: Andrew Cecere
Revenue: $10+ billion (USD)
Size: 10000+ Employees
Type: Company - Public
Website: www.usbank.com
Year Founded: 1863
