2025 Credit Analyst Development Program - Institutional Client Group

About the position 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. Our credit analyst team underwrites custom credit requests, participates in structuring loan transactions, monitors borrower financial performance, and interacts with relationship managers and clients to support the clients' banking needs. Responsibilities • Conduct analysis of financial statements and assessment of credit requests, providing recommendations tied to analysis and assessment of credit risk. • Oversee preparation of historical financial statement spreads, quarterly trend analysis (QTA) reports, quarterly monitoring reports and financial projections using standard software for existing and prospective clients. • Measure, monitor, and test a wide variety of financial covenants as specified within credit approval documents. • Read and interpret relevant credit approval requirements to accurately input monitoring requirements and covenants into a standard compliance monitoring system. • Analyze financial statement results and prepare reports to communicate financial performance and trends with Portfolio Managers, Relationship Managers, and/or Credit Administration. • Interact with clients as appropriate; attend meetings or calls with companies in the supported portfolio. • Develop technical and business acumen through training, mentorship, and exposure to senior executives. • Build a supportive community of peers through a variety of cohort strengthening activities such as social events, volunteer days, and development workshops. Requirements • Bachelor's degree completed prior to start date (or equivalent experience and up to 1 year experience in a finance/analytical related role). • Basic understanding of Financial/Accounting terms, concepts, and applications. • Ability to start development program on June 23, 2025. Nice-to-haves • Preferred GPA of 3.0 or above. • Strong written and verbal communication skills. • Well-developed analytical skills. • Acute attention to detail. • Ability to work well under pressure and time constraints. • Ability to work equally well in a team environment and independently, exhibiting initiative, ownership, and flexibility. • Proficient in Excel and PowerPoint. Benefits • 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. Apply tot his job