Junior Credit Analyst

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, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive.   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. Try new things, learn new skills and discover what you excel at—all from Day One. 

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. 

Job Description

Responsible for conducting credit analyses including gathering, analyzing and interpreting all types of credit information on the existing portfolio. The data collected may include credit reports, industry research, and tax returns. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Prepares and presents credit reports to person(s) responsible for making credit decisions. Sets up and maintains databases used to analyze accounts and/or portfolios.  Accounts will be monitored to identify potential risk to mitigate losses to Elavon. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios. Generally furnishes information relative to credit inquiries to appropriate parties.

Main Duties include:
Analyze existing customers with exposure below €1MM
Complete financial and business analysis reports within our systems or in written form as required
Work closely with our Customer Due Diligence & Fraud, Collections, Chargebacks Departments when required
Make credit decisions on the cases assigned
Deal with customers and Sales team on a range of credit & risk issues
Effective time management and ability to meet deadlines
Good team player
Ability to identify when an issue needs to be escalated
Positive approach and the ability to be self-motivated
Support management with tasks as necessary
Basic Qualifications:
Bachelor's degree, or equivalent work experience
Two to three years of related experience
Preferred Skills/Experience:
Ability to read and interpret financial statements;
Previous credit underwriting experience is an advantage;
Strong verbal and written communication skills in English;
Accuracy and attention to detail;
Ability to work in a fast-paced environment;
Good Microsoft Office Skills;
Excellent interpersonal skills and customer service;
Proven track record of dealing with difficult customer queries and providing excellent customer service;
Alternative language skills are an advantage but not a requirement;

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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:

We offer an exciting, fast-paced and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security; and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.