Credit Analyst job at U.S. Bank in Knoxville, TN, Atlanta, GA, Marshall, MN, Minneapolis, MN, Fargo, ND, Cincinnati, OH

Credit Analyst Locations: Knoxville, TN, USA Atlanta, GA, USA Marshall, MN, USA Minneapolis, MN, USA Fargo, ND, USA Cincinnati, OH, USA Work Type: Full-time Schedule: Hybrid/Flexible (3+ days/week in office) Salary Range: $70,890.00 – $83,400.00 Actual range may vary based on the selected location. 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, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. 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. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. Job Description The Credit Analyst is responsible for evaluating creditworthiness and making recommendations on new, renewal, and extension loans. This role requires advanced financial analysis skills, including the ability to interpret accrual-based financial statements and assess the overall financial health of businesses. The ideal candidate will have experience analyzing financial trends, understanding key concepts such as Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis. Proficiency in reviewing and interpreting the Balance Sheet, Income Statement, and Statement of Cash Flows is essential. The Credit Analyst will identify potential credit risks, recommend strategies to maintain credit quality, and minimize loss exposure. The role also involves leveraging analytical tools and software to evaluate individual credits and portfolios. Key Responsibilities Perform in-depth financial and credit analysis on new and existing customers. Interpret accrual-based financial statements and assess financial trends. Analyze key financial metrics, including liquidity, leverage, profitability, and cash flow sustainability. Evaluate Net Working Capital, Deferred Revenue implications, and overall financial health. Review customer accounts and portfolios to identify potential credit risks. Prepare detailed credit reports and recommendations for decision-makers. Utilize credit analysis tools and software to support evaluations. Basic Qualifications Bachelor’s degree in Finance, Accounting, Economics, or related field (or equivalent work experience). Typically four or more years of relevant experience in credit or financial analysis. Preferred Skills/Experience Strong financial and credit analysis skills with emphasis on accrual accounting. Expertise in analyzing Balance Sheets, Income Statements, and Cash Flow Statements. Thorough understanding of Net Working Capital, Leverage, Deferred Revenue, and Cash Flow Analysis. Knowledge of credit administration, policy, and risk analysis. Effective technical report writing and communication skills. Proficient in financial modeling and computer navigation using various software tools. Master’s degree, CPA, or CFA certification preferred. Ideal Candidate Profile Financial Acumen: Demonstrates mastery of accrual accounting principles and advanced financial analysis techniques. Cash Flow Expertise: Skilled in evaluating cash flow sustainability and understanding its impact on credit risk. Analytical Strength: Ability to identify financial trends and interpret complex financial data. Technical Knowledge: Comfortable with key financial concepts such as Net Working Capital, Leverage ratios, Deferred Revenue, and Cash Flow Analysis. Statement Analysis: Highly proficient in analyzing Balance Sheets, Income Statements, and Statements of Cash Flows to assess liquidity, profitability, and solvency. Risk Awareness: Ability to evaluate credit risk holistically and recommend strategies to mitigate exposure. Communication Skills: Capable of presenting findings clearly and persuasively to stakeholders. Technology Savvy: Adept at using financial modeling tools and credit analysis software. Location The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other 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 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. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all U.S. facilities and certain territories. Learn more about the E-Verify program. Additional Notices U.S. Bank will consider qualified applicants with arrest or conviction records for employment. Background checks conducted per local laws, including the LA County Fair Chance Ordinance, CA Fair Chance Act, and SF Fair Chance Ordinance. Certain positions may also be subject to FINRA, NMLS, Reg Z/G, OFAC, FCPA, SAFE Act, BSA, or other federal compliance requirements. Applicants must comply with U.S. Bank Code of Ethics, Business Conduct, and workplace conduct policies. Posting may close early due to volume. Apply tot his job Apply tot his job