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About the Role

Leads the development and execution of resolution strategies for large, highly complex, Commercial Real Estate problem loans, including restructurings, forbearances, note sales, bankruptcies, foreclosures, and asset dispositions. May also manage C&I credits.

Responsibilities

• Negotiates with Borrowers and their representatives to secure repayment agreements and monitors compliance.
• Manages bilateral and syndicated credits, negotiating and coordinating workout strategies with participant lenders, borrowers, and key stakeholders.
• Serves as Agent for syndicated credit facilities and leads lender group negotiations.
• Evaluates borrower, sponsor, guarantor, collateral, and market conditions to identify recovery opportunities and formulate loss mitigation strategies.
• Presents complex credits, risk assessments, and recommended action plans to Senior Management.
• Provides consultation and strategic guidance to internal business line partners regarding early identification and evaluation of deteriorating loan situations.
• Maintains current knowledge of laws, regulations, and rulings related to insolvency, bankruptcy, loan enforcement, and creditor remedies.
• Mentors junior workout professionals.

Requirements

• Bachelor's degree in Business or related field, Master Degree preferred.
• Ten to fifteen years of experience in commercial lending and loan services activities.
• Commercial Real Estate Loan expertise; C&I Loan expertise is preferred.
• Prior experience with large, syndicated credits.
• Experience serving as the Agent of syndicated credits.
• Expert knowledge of specialized lending collections including managing litigation.
• Advanced knowledge of commercial lending, loan services and credit policy/procedure.
• Advanced knowledge of loan collections and workout, loan processing/documentation and credit analysis.
• Excellent problem-solving, negotiating, and decision-making skills.
• Strong interpersonal, verbal and written communication skills.
• 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.

Skills

• Commercial Real Estate Loan expertise
• C&I Loan expertise
• Large, syndicated credits management
• Agent for syndicated credits
• Specialized lending collections
• Litigation management
• Commercial lending
• Loan services
• Credit policy/procedure
• Loan collections
• Loan workout
• Loan processing/documentation
• Credit analysis
• Problem-solving
• Negotiating
• Decision-making
• Interpersonal communication
• Verbal communication
• Written communication

Location

• U.S. Bank location

Work Type

• Hybrid

Experience Level

• Ten to fifteen years of experience

Education Level

• Bachelor's degree in Business or related field
• Master Degree preferred

Salary/Compensations

• $158,310.00 - $193,490.00

Benefits

• 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
• Incentive and recognition programs
• Equity stock purchase
• Pension

About the Company

• 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.
• 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.
• 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.

Equal Opportunity

• 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.