Embedded within U.S. Bank’s Credit Underwriting & Lending division, the SBA Credit Analyst evaluates new, renewal and extension loan requests backed by the Small Business Administration. Drawing on detailed financial statements, market data and borrower histories, the analyst identifies potential risks and proposes credit actions that align with both SBA guidelines and the bank’s risk appetite. Leveraging specialized software tools, they compare various lending scenarios before recommending or approving credit extensions, all while helping to fuel growth in communities across the country.
Qualifications and Requirements
- Bachelor’s degree in finance, economics, accounting or equivalent work experience, plus six or more years in credit analysis
- Proficiency with SBA Standard Operating Procedures and familiarity with nCino preferred
- Strong foundation in credit policy, risk assessment and portfolio management
- Background in technical report writing, coupled with clear verbal and written communication
- Advanced skills in Microsoft Suite (Excel, Teams, Outlook) and comfort navigating multiple software packages
Compensation and Benefits
The posted salary range for this role is $105,400–$124,000, varying by location. Alongside base pay, eligible team members enjoy:
- Comprehensive healthcare coverage (medical, dental, vision)
- Basic and optional term life insurance
- Short‑ and long‑term disability plans
- Pregnancy disability and parental leave options
- 401(k) with employer contributions and equity stock purchase opportunities
- Paid vacation (two to five weeks, based on tenure) plus up to 11 holidays
- Adoption assistance and flexible sick‑and‑safe leave accruals
Career Growth and Company Culture
From Day One, U.S. Bank encourages its credit professionals to explore new challenges—whether deepening expertise in SBA lending or branching into broader risk management and leadership tracks. Mentorship programs, cross‑departmental projects and ongoing training resources create an environment where performance is recognized and progression is earned. Collaboration across remote and on‑site teams fosters a sense of shared purpose, driving both individual achievement and collective success.
About U.S. Bank
As one of America’s largest financial institutions, U.S. Bank delivers a diverse portfolio of banking, payment and investment solutions to millions of customers nationwide. Headquartered in Minneapolis, the organization emphasizes ethical conduct, community reinvestment and inclusive hiring practices—participating in federal programs such as E‑Verify and offering accommodations for applicants with disabilities. Through its dedication to smart financial guidance and community partnership, U.S. Bank continues to support business growth and economic vitality coast to coast.
Apply for to the Job: Remote SBA Credit Analyst with U.S. Bank