Senior Credit Analyst

U.S. Bank·Richmond, Virginia, US

financenow

Projected AI Stack

Based on our analysis of Credit Analysts positions

⚡ 7.6 — Very High AI Upgrade Potential

MCMicrosoft 365 CopilotCredit memo drafting and financial spreadsheet model formattingdaily

CLClaudeAnalyze financial statements and summarize borrower repayment risk factorsdaily

PXPerplexityCounterparty background research and political or country risk assessmentweekly

Projected Workflow

How AI is expected to reshape this role

AI-assisted

Financial statement spreading and ratio computationMicrosoft 365 Copilot

Credit memo first draft and risk factor summaryClaude

Industry and counterparty due diligence researchPerplexity

Human-led

Credit risk rating determination and model validation

Loan covenant structuring and refinancing assessment

Credit committee presentations and recommendations

Mentoring junior analysts and oversight of predictive models

This AI stack and workflow map are projected by UpgradedJobs based on occupational analysis, not stated by the employer. They reflect how AI tools are transforming Credit Analysts roles today.

About the role

At U.S. Bank, we are on an exciting journey to help our customers and the businesses we support make better financial decisions, while enabling our communities to thrive. We are looking for a motivated individual to join our team as a Senior Credit Analyst, where your unique contributions will help drive our shared ambition.

Job Overview

As a Senior Credit Analyst, you will play a crucial role in the credit decision-making process. Your responsibilities will include:

Approving credit extensions and making informed recommendations to decision-makers regarding new, renewal, and extension loans.
Conducting thorough credit analyses by gathering, assessing, and interpreting a variety of credit information for both existing and potential customers.
Reviewing customer accounts to identify and evaluate potential credit quality issues, in order to maximize credit quality and minimize risks and losses for the organization.
Utilizing advanced technological tools and software to facilitate credit analysis and compare potential courses of action effectively.

Basic Qualifications

Bachelor's degree or equivalent work experience.
At least four years of relevant experience in credit analysis.

Preferred Skills and Experience

Strong analytical skills with a solid understanding of credit analysis and administrative procedures.
Background in economics, accounting, or finance.
Excellent technical report writing capabilities.
Strong verbal and written communication skills.
Proficiency in navigating various software packages for efficient analysis.
Preferred Master's degree or CPA certification.

If you require any accommodations during the application process, please let us know.

Benefits:

U.S. Bank is committed to supporting our employees' wellness and financial security. We offer a comprehensive benefits package that includes:

Healthcare options (medical, dental, vision).
Life insurance options.
Short-term and long-term disability coverage.
Parental leave and pregnancy disability options.
401(k) plan and an employer-funded retirement plan.
Paid vacation that increases with tenure.
Up to 11 paid holiday opportunities annually.
Adoption assistance programs.
Sick and safe leave accruals.

We value diversity and are an equal opportunity employer. All qualified applicants will be considered without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or any other protected factors under applicable law.

Salary Range: $75,820.00 - $89,200.00

This position may close earlier due to a high volume of applicants. We look forward to your application!