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 Equipment Finance Credit Specialist 3 is responsible for conducting credit analyses on existing and prospective customers across multiple business lines. This role supports a high‑volume production environment, processing primarily small‑ticket credit applications and partnering closely with Sales and Documentation teams to move transactions efficiently from application to funding. The position supports both direct and indirect markets and contributes to maintaining strong credit quality while minimizing risk exposure.
Key Responsibilities
Conduct credit analyses by gathering, reviewing, and interpreting a variety of credit information, including credit reports, financial statements, tax returns, and industry research.
Prepare clear, concise credit write‑ups and present recommendations to individuals responsible for credit decisions on new, renewal, and extension requests.
Input and maintain accurate credit data within tracking, reporting, and portfolio management systems.
Make credit decisions in a high‑volume, production‑oriented environment, primarily supporting small‑ticket transactions
Monitor customer accounts and loan portfolios to identify potential risks or issues and escalate as appropriate to support credit quality and loss prevention.
Collaborate with Sales, Documentation, and other internal partners to ensure timely progression of deals through approval and funding.
Communicate primarily via email, with occasional phone interactions, to resolve questions, address discrepancies, and support deal execution.
Support all business lines within the group, including healthcare, manufacturing, capital markets, technology vendor services (TVS), and business banking.
Basic Qualifications
Bachelor's degree, or equivalent work experience
Typically two or more years of related experience
Preferred Skills/Experience
Well‑developed credit analysis and analytical skills.
Basic understanding of credit administration, policies, and procedures.
Working knowledge of risk analysis concepts.
Strong attention to detail with the ability to manage multiple applications and deadlines.
Effective report writing skills.
Clear and professional verbal and written communication skills.
Basic proficiency in Microsoft Excel and other standard MS office tools.
Ability to work efficiently in a high‑volume, deadline‑driven environment.
Location expectations
This role requires working from the Marshall, MN, 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 (https://careers.usbank.com/global/en/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:
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
Review our full benefits available by employment status here (https://careers.usbank.com/global/en/benefits/us) .
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.
E-Verify
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $23.65 - $31.54
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting may be closed earlier due to high volume of applicants.
