U.S. Bank Dealer Services Underwriter 4 - West Coast in Sioux Falls, South Dakota

Analyzes, evaluates and approves indirect consumer loan and lease applications, including but not limited to auto loans and leases, RV loans and boat loans in accordance with industry and business unit standards. Manages and executes underwriting decisions for dealer relationships as well as building relationships that will grow loan volumes and credit quality with the assigned dealerships. Works to sell U.S. Bank products to deepen dealer relationships. Gathers, analyzes and interprets all types of credit information for existing and prospective retail banking customers in order to maximize credit and minimize risk and potential loss. Develops and maintains a loan and lease portfolio consistent with the Bank's guidelines for credit quality and pricing. Approves and/or denies loans within certain limits and makes credit structure and loan pricing decisions.

Qualifications:

Basic Qualifications

  • Bachelor’s degree, or equivalent work experience

  • Four or more years of experience in credit analysis and/or underwriting loans

Preferred Skills/Experience

  • Well-developed ability to analyze and interpret credit quality information

  • Thorough knowledge in credit and risk analysis, underwriting, administration, policy and procedure

  • Demonstrated effective judgment in making loan decisions

  • Thorough knowledge of accounting and finance principles

  • Proficient computer skills, especially Microsoft Office applications

  • Effective verbal communication and writing/documentation skills

Job: Credit Underwriting

Primary Location: California

Shift: 1st - Daytime

Average Hours Per Week: 40

Requisition ID: 180026944

Other Locations: Idaho, United States, Washington, Nevada, Utah, New Mexico, Arizona

U.S. Bank is an Equal Opportunity Employer committed to creating a diverse workforce.

Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled