Ramon Hernandez

About Ramon Hernandez

As a credit analyst at U.S. Bank, I apply my analytical skills and commercial credit knowledge to evaluate the creditworthiness of business clients and recommend appropriate loan structures and terms. I work with a team of experienced credit professionals who support me in conducting financial analysis, risk assessment, and industry research. I also collaborate with relationship managers and underwriters to prepare credit reports and proposals that meet the bank\'s standards and policies. I joined U.S. Bank in June 2023 after completing my BS in Financial Management with a minor in Accounting from Wilbur O. and Ann Powers College of Business at Clemson University, where I gained a solid foundation in financial concepts, tools, and techniques. I also completed a summer internship at U.S. Bank in 2022, where I learned the basics of credit analysis and gained exposure to various business sectors and loan products. I am passionate about the field of commercial lending and eager to learn and grow in my role. I value integrity, professionalism, and teamwork, and strive to deliver high-quality results and excellent service to my clients and colleagues.

Experience

1. Credit Underwriter

   Genesis Capital Llc

   Jan 2026 — Present · Los Angeles, CA, US

Education

• Clemson University

  Bachelor of Science - BS

• Wilbur O. and Ann Powers College of Business at Clemson University

  Bachelor of Science - BS