Complex Credit Underwriter


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.

U.S. Bank’s Small Business Administration Department works every day to serve small business customers. We provide products and services to help small businesses no matter what stage of the business lifecycle they're in.
The person in our Complex Credit Underwriting role will be responsible for analyzing quarterly interim financial statements and accompanying reports to ensure borrowers have not deteriorated significantly enough to warrant an adverse change in their current risk rating.  In addition, this individual will be responsible for reviewing customer accounts and/or portfolios in order to identify and/or take corrective action on potential credit quality issues.   The underwriter will conduct industry analysis while researching borrower past performance & financial trends; investigate the borrower's current circumstances and accurately determine key drivers behind performance deterioration; ultimately, providing expert advice to management and/or credit partners.  This position involves extensive credit and financial analysis to determine an appropriate credit decision.  Underwriting credit actions include downgrade reviews, borrowing base reviews, annual reviews & renewals when warranted, covenant violations, and other credit actions based on any changes in borrower's business structure and/or performance.
This position requires an individual to balance multiple communications and actions at various stages of completion while keeping a close eye on tight deadlines: as a result, the ideal candidate must have exceptional time management and communication (written and verbal) skills.  In addition, the candidate must possess strong analytical skills backed by a seasoned background of business credit (Small Business or Commercial) and financial analysis experience.


Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Five to seven years of experience in credit analysis and/or lending activities

Preferred Skills/Experience
- Excellent credit analysis and analytical skills
- Thorough knowledge of credit administration, policy and procedures
- Thorough knowledge of economics, accounting, and finance
- In-depth knowledge of risk analysis
- Excellent technical report writing skills
- Excellent verbal and written communication skills


Credit Underwriting

Primary Location



1st - Daytime

Average Hours Per Week