Senior Risk 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.

We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation.

We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.

Job Description

The Senior Credit Analyst is a member of the 2nd Line of Defence Credit Risk Management function, reporting to the Head of Credit Portfolio Risk. The role centres on strategic duties, combining credit governance expertise and support to credit‑risk decisioning processes as well as focalized MI & Reporting responsibilities.

This role supports integration across the Credit Portfolio Risk workstreams through the oversight of credit governance structures, support of credit analysis and financial due diligence processes, and the provision of consistent, high‑quality, risk‑aligned management information to support informed decision‑making.

Key Responsibilities:

• Credit Analysis and Financial Due Diligence

  Support credit approvers through detailed credit analysis and financial due diligence, helping to inform sound credit decisions in line with established risk appetite, underwriting standards, concentration limits, and regulatory requirements.

  Review underwriting proposals, annual reviews, renewals, amendments, waivers, and other credit requests to assess alignment with credit policy, risk appetite, approval conditions, and portfolio strategy.

  Contribute to strong decision-making practices by participating in calibration sessions and monitoring approval trends under the guidance of senior management.

• Credit Risk Governance

  Support the effective operation of USBE Credit Risk governance bodies through end-to-end coordination of the Credit Committee and related working groups. The role holder will manage the administrative and governance activities required for these forums, including compiling and quality-checking materials from multiple stakeholders, coordinating meeting agendas and schedules, maintaining action logs and records, and ensuring papers are complete, accurate, and circulated on a timely basis.

  This role will also support the Head of Credit Portfolio Risk to monitor adherence to the terms of reference and governance requirements for each forum, escalating issues where needed, and helping to ensure the overall efficiency, consistency, and proper functioning of these bodies.

• Strategy & Portfolio Steering

  Support the development and refinement of the bank’s credit portfolio strategy and risk appetite, ensuring alignment with evolving macroeconomic, regulatory, sectoral, and geopolitical trends.

  This position serves as a subject matter expert, facilitating communication and alignment between strategic MI, governance structures, and the credit decision-making process.

• Cross‑Functional Collaboration

  Collaborate with Credit Risk team members and colleagues from other departments to uphold consistency and strong governance across credit-related reports, strategies, provisioning, and risk frameworks.

Preferred Skills/Experience:

• Bachelor’s degree in finance, Economics, Business, or a related field.

• Experience (4+ years) in credit risk, credit underwriting, portfolio risk, or credit approval support within a bank, regulated financial institution, credit fund, asset manager, insurer, or comparable financial services environment.

• Experience preparing or reviewing credit memos, underwriting proposals, annual reviews, risk rating assessments, covenant analysis, and committee materials.

• Effective written, presentation, and communication skills with the ability to articulate key messages in a concise manner.

• Analytical and problem-solving skills to interpret data/trends and draw actionable insights.

• Sound understanding of credit risk, methodologies, and regulatory requirements (e.g. Basel, CRR, EBA).

• Familiarity with financial analysis.

• Professional certifications such as FRM, CFA, ACA/ACCA or similar are desirable.

Additional information:

• The role offers a hybrid / flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

This position is not eligible for visa sponsorship.

Accessibility

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.

Total Rewards

U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.

We offer a market-competitive compensation package that includes:

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.

• Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.

• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).

• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.

• Employee recognition programs that celebrate achievements and milestones for all.

We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.

We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon.

Closing Date

Posting may be closed earlier due to high volume of applicants.

We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.