Business Banking Relationship Analyst (Credit) - Sacramento, CA

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

This is a Business Banking support role focused on analyzing financials and supporting lending for business clients with $2.5MM–$50MM in annual revenue.

This is not a data, reporting, or business systems analyst position.

The Business Banking Relationship Analyst (Credit) role supports Business Banking Relationship Managers by assisting with the evaluation of lending opportunities and maintaining strong credit quality across a portfolio of business clients with $2.5MM–$50MM in annual revenue.

This role is hands-on with financial statement analysis, complex deal support, and preparation of credit-related documentation.

The analyst partners closely with internal credit and risk teams to support sound credit decisions and a strong client experience.

Responsibilities and job duties include the following:

• Provide credit and underwriting support for Business Banking lending opportunities, including preparation of pre-flight materials and credit documentation.

• Analyze and review business financial information such as financial statements, tax returns, cash flow, and borrowing base calculations.

• Assist with credit analysis and evaluation of lending requests.

• Partner closely with Relationship Managers supporting business clients within the $2.5MM–$50MM revenue segment.

• Support portfolio and risk management efforts through thoughtful analysis, monitoring, and coordination with internal partners.

• Gather required documentation and assist in moving credit requests through the approval and closing process.

Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Five to eight years of Business Banking experience

Preferred Skills/Experience

- Experience supporting business or commercial credit, or lending analysis in a banking environment.

- Strong understanding of financial statement analysis, cash flow, and core credit fundamentals.

- Knowledge of credit administration, analysis, and credit policy/procedure
- Ability to work effectively with individuals and groups across the company to manage customer relationships
- Effective verbal and written communication skills

Location

This role requires working from a U.S. Bank location three (3) or more 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.

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:

• 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

Review our full benefits available by employment status here.

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 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. Learn more about the E-Verify program.

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: $111,095.00 - $130,700.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

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.