Credit Review Specialist at U.S. Bank in Madrid, Madrid, Spain

Credit Review Specialist Location: Madrid, Spain 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 Responsible for conducting credit analyses including gathering, analysing and interpreting all types of credit information on the existing portfolio as well as new customer underwriting. The data collected may include financial statements, credit reports, industry research, and tax returns. Prepares and presents credit reports to person(s) responsible for making credit decisions. Sets up and maintains databases used to analyse accounts and/or portfolios. Responsible for monitoring accounts 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: Analyse both existing and prospective customers with exposure above €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 years of related experience Strong verbal and written communication skills in English Kindly ensure that your CV and application are submitted in English Preferred Skills/Experience: Ability to read and interpret financial statements 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 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.