Business Banking Relationship Analyst (Credit)

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.

Job Description

The Business Banking Relationship Analyst (Credit) is a key member of our Florida Business Banking team, partnering closely with Relationship Managers to help us build relationships, create momentum, execute opportunities, and deliver an exceptional client experience.

This is more than a traditional credit support role. We are looking for someone who brings energy, curiosity, urgency, and a strong desire to win as a team.

The right person thrives in a fast-paced, highly collaborative environment, takes ownership, anticipates what needs to happen next, and enjoys being an active part of building something special.

Success in this role requires strong credit and analytical capabilities, but equally important is the ability to communicate, collaborate, problem-solve, and move opportunities forward. Our expectation is simple: bring positive energy, raise the level of the people around you, and help the entire Florida team win.

Location

This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants .

Benefits

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

Review our full benefits available by employment status here .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

Responsibilities

Partner closely with Relationship Managers on client discovery, deal qualification, and loan structuring.; Provide thoughtful financial analysis and support pricing decisions while maintaining a strong sense of urgency.; Actively manage deal activity and pipeline progression, identifying obstacles early and helping the team find solutions.; Develop a strong understanding of the client’s business, financial needs, and overall relationship opportunity.; Take ownership of gathering, reviewing, and organizing required client and credit documentation.; Assist with deal summaries, credit requests, product solutions, and execution activities.; Coordinate appraisal, documentation, closing, and onboarding activities to keep deals moving.; Communicate proactively with Relationship Managers and internal partners so everyone understands where an opportunity stands and what needs to happen next.; Help create a seamless, responsive experience that reinforces the value of the relationship from the beginning.; Support ongoing portfolio management, including loan renewals, pricing updates, financial analysis, covenant tracking, and risk monitoring.; Maintain accurate and timely client and opportunity information within bank systems.

Requirements

Bachelor's degree, or equivalent work experience; Five to eight years of Business Banking experience

Nice to have

Well-developed analytical and problem-solving skills; Basic knowledge of bank products and services that results in successfully capitalizing on all opportunities to deepen the relationship; Basic knowledge of credit administration, analysis, and credit policy/procedure; Demonstrated understanding of complex financial accounting and analysis; Ability to work effectively with individuals and groups across the company to manage customer relationships; Effective verbal and written communication skills

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