Airline Commercial Credit Analyst

 

At U.S. Bank, we're passionate about helping customers and the communities where we live and work. The fifth-largest bank in the United States, we’re one of the country's most respected, innovative and successful financial institutions. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

 
 
About Elavon
 
Our customers want to expand their business opportunities. We help them get there.
 
From e-commerce to mobile wallets and chip card acceptance, Elavon helps businesses, small and large, accept all payment types – and reap the benefits at the end of the day.  Whether they need a simple or sophisticated payment solution, we’ve got them covered. 
 
For 25 years, we’ve helped more than one million customers around the world grow their business through payments. Our flexible, secure and innovative payment solutions help businesses attract and keep customers, develop partner relationships, process payments and simplify operations. 
 
Here’s a little bit more about our breadth and expertise :
  • We are consistently rated among the top five global payment providers
  • We process more than 3 billion transactions annually around the world
  • We provide payment tools customized by industry type
  • We’re backed by the strength and stability of U.S. Bank, the fifth largest commercial bank in the U.S.
  • Our company operates in 10 countries
  • Our call centers are open 24/7, and our team is always ready to help
 
Growing a business in a fast-moving world is challenging.  Let us help you succeed.
 
Elavon is currently recruiting for an Airline Commercial Credit and Risk Analyst, who will be responsible for making recommendations to the person(s) making the final credit and risk decisions on new, renewal, and extension of credit and risk to Elavon airline customers. It is a team of two or three that works very closely with Elavon Credit and Risk Management. The candidate can be located in either Denver or Minneapolis. This position reports directly to the Head of Airline Credit and Risk at Elavon. Additional responsibilities are as follows:
 
  • Performs the most complex credit and risk reviews, with analysis of large consumer or commercial accounts and/or portfolios of accounts to make the final lending decisions to approve or deny the extension of credit and risk or determine potential credit quality and risk issues;
  • Conducts a complete credit and risk analysis, including gathering, analyzing, and interpreting all types of credit and risk information on existing and prospective customers;
  • Performs economic and industry analyses, financial projections, and risk assessments, and based on those analyses, provides expert advice and makes recommendations to management concerning how to preserve credit and risk quality and minimize risk and potential loss to the company;
  • Advises the person(s) responsible for making the final lending decision on new credit, after analyzing and evaluating the customer’s needs and circumstances, and recommends that the credit be approved or denied;
  • Underwrites new business and screens new prospects to determine the suitability for the portfolio and the appropriate credit and risk recommendations are made to sales staff;
  • Performs daily approval of processing payments to airlines and ensures the risk data that airlines require are sent to them on a timely basis;
  • Approves new processing outlets and occasionally resolves operational issues with accounts;
  • Completes internal and external reporting, which includes internal review scheduling and risk rating monitoring, letters of credit maintenance, contractual compliance with certain airlines, weekly monitoring of carrier compliance, quarterly internal reporting to U.S. Bank, monthly reporting to Elavon and U.S. Bank, and quarterly reporting to bank partners and the Federal Reserve;
  • Works with internal and external auditors to ensure the highest level of compliance for all underwriting procedures;
  • Participates in quarterly compliance reviews and yearly audits;
  • Interacts with airlines regularly on a worldwide basis related to various customer issues; and
  • Advises on contract terms during negotiations with carriers and external Counsel.
 

Qualifications

 
Basic Qualifications  
  • Bachelor’s degree in finance or equivalent education and experience
  • Seven or more years of related experience in commercial credit and risk analysis, including:
    • Excellent credit and risk analysis and analytical skills
    • Ability to apply knowledge in the areas of finance to understand the overall lending and business environment
    • In-depth knowledge of credit and risk analysis, administration, and policy and procedures
    • Effective oral and written communication skills and technical report writing skills

Preferred Qualifications

  • Master’s degree, such as an MBA, and/or CFA certification
  • Ability to speak Spanish
 

Job

Credit Underwriting

Primary Location

Colorado-CO-Denver

Other Locations

Other Locations Colorado-CO-Englewood, Minnesota-MN-Minneapolis

Shift

1st - Daytime

Travel

No

Average Hours Per Week

40