Job Description
Credit Risk Analysts are responsible for the independent assessment, approval, and ongoing monitoring of credit risk exposures to minimise potential losses to the bank. This includes analysing customer financial statements, evaluating portfolio performance and credit quality trends, conducting data-driven risk assessments, and performing periodic reviews of existing customers.
They assess the financial strength and risk profile of customers, identify and recommend appropriate collateral or risk mitigants where necessary, and evaluate the adequacy of existing controls. Based on their analysis, they make independent credit recommendations, providing a clear rationale to support approval or decline decisions and outlining any conditions or mitigation measures required to manage the bank's risk exposure.
Basic Qualifications
•Two years of payments or credit experience in one or more of the following functions: credit analyst, underwriter, credit risk review officer, or credit approval officer.
•Bachelor's degree in Finance, Accounting, Business, or a related discipline preferred. Equivalent experience may be considered, particularly where supported by relevant industry knowledge and credit risk assessment expertise. A Master's degree or recognised professional qualification in a business-related field would be advantageous.
Traits and Skills
•Financial analysis capabilities, including the interpretation of financial statements, assessment of business performance, and management of higher-risk or deteriorating accounts.
•Sound credit judgement with the ability to evaluate business models, financial strength, collateral coverage, policy exceptions.
•Ability to analyse complex information, identify material risks, and reach well-reasoned decisions.
•Capable of independently managing credit reviews and risk assessments, while seeking guidance from senior colleagues or management when appropriate.
•Strong analytical and problem-solving skills, with the ability to prioritise effectively and deliver timely, risk-based recommendations.
•Produces clear, concise, and well-structured written communications, including credit recommendations, risk assessments, and management reporting.
•Demonstrates strong organisational and time management skills, effectively prioritising workloads, setting realistic delivery timelines, meeting deadlines, and proactively escalating issues where appropriate.
General Responsibilities
•Conducts detailed analysis of audited financial statements and management accounts across a diverse range of international markets, including the UK, Ireland, USA, Germany, Poland, and France. Utilises specialised credit systems and a strong knowledge of bank policy to accurately spread financials, evaluate financial strength, interpret key risk indicators, and make informed adjustments to financial ratios and credit assessments to support sound lending decisions.
•Ensures conclusions are fair and balanced, and supported by thorough and well-documented review and analysis. Considers stakeholder perspectives and feedback when evaluating conclusion decisions.
•Participates in and contributes to special projects and strategic initiatives, collaborating with cross-functional stakeholders, including first- and second-line risk functions, to deliver business and risk management objectives.
•Completes follow-up issue remediation where applicable.
Total Rewards
U.S. Bank offers a market-competitive compensation package that includes:
•Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
•Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
•Inclusive equitable benefits that are accessible to all employees and focused around three main pillars: financial wellbeing, health & wellness.
•Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
•Employee recognition programs that celebrate achievements and milestones for all.
Further details of the compensation package will be provided upon application.
