Sr. End of Lease Analyst - Equipment Finance

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

U.S. Bank is seeking a detail-oriented and customer-focused professional to join our Equipment Finance team as an End of Lease Analyst. This role plays a critical part in managing the end-of-lease lifecycle of equipment assets, including customer interactions, negotiations, repossession coordination, and asset disposition.

This position requires strong communication skills, sound judgment, and the ability to navigate complex processes in a fast-paced, highly collaborative environment.

Key Responsibilities

• Manage the end-to-end lifecycle of equipment at lease maturity, including customer buyouts, returns, and remarketing activities

• Coordinate equipment repossession efforts, including assignment, logistics, and final disposition of assets

• Partner with internal teams, including Loss Mitigation, to ensure timely and compliant execution of repossession and recovery processes

• Work directly with customers and vendors to:

  • Negotiate purchase option pricing
  • Facilitate equipment returns and logistics

• Conduct research and analysis of equipment values to support pricing and disposition decisions

• Review and interpret lease agreements and contract documentation to guide decision-making and ensure compliance

• Navigate and execute work within regulated and process-driven environments, ensuring all required documentation and control steps are followed

• Build and maintain strong working relationships across internal teams and external partners

• Utilize multiple internal systems to track activity, document progress, and manage workflow

Basic Qualifications

• Associate's degree, or equivalent work experience

• Three to five years of relevant experience

Preferred Skills/Experience

• Knowledge of common equipment types

• Knowledge of lease structures relating to revenue opportunities in equipment sales and renewal options

• Working knowledge of strategies and techniques used in client negotiations.

• Experience in customer-facing roles, with demonstrated ability to communicate effectively across a range of audiences

• Experience with negotiation, sales, or relationship management

• Ability to work within structured or compliance-driven processes

• Strong analytical, problem-solving, and decision-making skills

• Organizational and time management skills with the ability to manage multiple cases simultaneously

Location expectations

This role requires working from the Marshall, MN 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:

• 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.

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.

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: $55,760.00 - $65,600.00

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.