Credit Review Specialist

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.

Responsible for conducting credit analyses, including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers and portfolios. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and/or reporting systems and databases. Prepares and presents credit reports to decision‑makers for new, renewal, and extension loans. In some areas, this position may make credit decisions in a high‑volume production environment.

• Perform comprehensive credit analysis to maximize credit quality and minimize company risk and potential loss.
• Monitor customer accounts and/or loan portfolios to identify potential issues proactively.
• Set up and maintain databases used to analyze accounts and portfolios.
• Prepare and present credit reports to individuals responsible for maintaining control over credit standings of accounts and portfolios.
• Furnish information relative to credit inquiries to appropriate parties.

• Assume a leadership role in a program loan initiative focused on mastering simplified underwriting, enabling Credit Review Specialists to manage underwriting for straightforward programs.
• Collaborate with colleagues to develop a comprehensive checklist for Banker document collection, ensuring efficient preparation of complete packages based on prior‑year requirements from the WM LCoE.
• Continuously evaluate opportunities for Credit Review Specialists to alleviate tasks from Bankers and ensure delivery of fully completed packages to Underwriting.
• Serve as the subject matter expert for shared relationships, providing guidance and expertise across teams.

• Bachelor’s degree, or equivalent work experience
• Typically three or more years of related experience

• Well‑developed credit analysis and analytical skills
• Thorough knowledge of credit administration, policy and procedures
• Thorough knowledge of economics, accounting, and finance
• Good knowledge of risk analysis
• Effective technical report writing skills
• Effective verbal and written communication skills

• 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

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.

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.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

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