Healthcare Credit Analyst (Multiple Levels)

Healthcare Credit Analyst

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

The successful candidate should have prior experience in originating or monitoring a commercial loan portfolio consisting of borrowers in healthcare related industries - including spreading, financial analysis, etc.

Responsible for approving the extension of credit and / or making recommendations to the person(s) making the final lending decisions on new, renewal and extension loans to approve or deny the extension of credit. Prior to making the credit decision or advising the person(s) making the final credit decision, the Credit Analyst conducts a complete credit analysis including gathering, analyzing, and interpreting all types of credit information on existing and prospective customers. Reviews customer accounts and portfolios to identify, evaluate and determine the appropriate course of action on potential credit quality issues in order to maximize credit quality and minimize risk and potential loss to the company. May use technological tools, including computer software, to assist in the credit analysis process by helping evaluate a particular credit or a portfolio. The Credit Analyst will use such tools to compare and evaluate possible courses of action and will make recommendations and / or decisions after various possibilities are considered.

This active posting is for a Healthcare Credit Analyst role : Healthcare Credit Analyst 4, Healthcare Credit Analyst 5, Healthcare Credit Analyst 6. Below are the basic qualifications and preferred experience for each level of role. Your level of experience will be reviewed and matched to the appropriate job level when you apply to this posting.

Healthcare Credit Analyst 4

Basic Qualifications

Bachelor's degree, or equivalent underwriting experience

Typically one or more years of underwriting experience

Preferred Skills / Experience

Underwriting experience focused on credit analysis and analytical skills working with complex healthcare credits

Thorough knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

Background in economics, accounting, and / or finance

Excellent verbal and written communication skills

Proficient computer navigation skills using a variety of software packages including EXCEL and nCino

Healthcare Credit Analyst 5

Basic Qualifications

Bachelor's degree, or equivalent underwriting experience

Typically three or more years of underwriting experience

Preferred Skills / Experience

Strong underwriting, credit analysis and analytical skills working with complex healthcare credits

In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

Background in economics, accounting, and / or finance

Strong verbal and written communication skills

Proficient computer navigation skills using a variety of software packages - including nCino

Advanced background in MS Office suite of products and skillset with MS Excel

Healthcare Credit Analyst 6

Basic Qualifications

Bachelor's degree, or equivalent underwriting experience

Typically five or more years of underwriting experience

Preferred Skills / Experience

Three or more years of advanced underwriting credit analysis and analytical skills working specifically with complex healthcare credits

In-depth knowledge of credit analysis, credit administration, credit policy and procedures, and risk analysis

Background in economics, accounting, and / or finance

Strong verbal and written communication skills

Proficient computer navigation skills using a variety of software packages - including nCino and Credit Lens

Advanced background in MS Office suite of products and skillset with MS Excel

This role is posted remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.

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.