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About the Role
In this role, you will serve as a thought leader, coordinator, and implementation manager to ensure effective achievement of goals for key credit risk management strategy initiatives and programs. The Industry Credit Risk Management – Officer is responsible for portfolio management of specific industries and products across U.S. Bank, including emerging risk identification, managing risk appetite through limits and policies, portfolio construction, and specialized risk management. This role provides independent risk management and governance while collaborating with business lines and other constituents to promote a strong risk management culture aligned with U.S. Bank’s risk appetite.
Responsibilities
- Partnering with Credit Risk Management and U.S. Bank business units to identify and manage emerging risks associated with the respective portfolio.
- Developing relevant metrics and segmentation to assess exposure at risk and credit policies to mitigate short-term and long-term risks.
- Assisting in developing requirements for technology projects to gather relevant data and design ongoing or ad-hoc analyses.
- Working with the centralized reporting team to develop and maintain relevant reporting, risk limits, and analysis.
- Performing scenario analysis to understand the bank’s exposure to potential risks and opportunities.
- Preparing management reports and presentations to communicate current state and progress on credit-focused initiatives.
- Building and maintaining relationships with peers in Credit Strategy and the broader Credit Risk Management organization and line of business.
- Managing projects simultaneously, maintaining strong procedural documentation, and adjusting priorities as the business and regulatory environment evolves.
Requirements
- Bachelor's degree, or equivalent work experience
- Typically more than 10 years of applicable experience
- Understanding of basic credit risk management concepts, along with 1st line and/or 2nd line experience related to underwriting and/or credit risk portfolio management preferred
- Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
- Broad understanding of credit risk processes and governance programs, and credit data at U.S. Bank, or another mid-sized or large banking institution
- Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls
- Thorough knowledge of Risk/Compliance/Audit competencies
- Strong analytical, process facilitation and project management skills
- Interest and awareness of external environment and economic events and their potential impacts to credit risk
- Effective presentation, interpersonal, written and verbal communication skills
- Effective relationship building and negotiation skills
- Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations
- Applicable professional certifications
- 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.
Skills
- Innovation
- Execution
- Collaboration
- Inquisitive mindset
- Growth mindset
- Initiative
- Agility
- Problem-solving
- Analytical problem solving
- Integrity
- Microsoft Office applications
- Word processing
- Spreadsheets
- Databases
- Presentations
Location
- U.S. Bank location
Work Type
- Hybrid
Experience Level
- 10+ years of applicable experience
Education Level
- Bachelor's degree in Business, Finance, Economics, Statistics or similar
Salary/Compensations
- $126,820.00 - $149,200.00
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.
- Credit Strategy is a dynamic team within Credit Risk Management focused on optimizing the identification, quantification and mitigation of credit risk.
- The team oversees critical second line of defense risk management programs including USB’s risk limit framework, risk rating, policy exceptions, risk ID, credit concentration, stress testing, collateral audit, credit policy and procedures, portfolio monitoring, strategic product growth and/or enhancements, regulatory review and compliance, and rapid response to emerging risk.
- Credit Strategy culture revolves around innovation, execution and collaboration across all 3 lines of defense and regulatory bodies.
- Talent seeking to join the Strategy team should possess an inquisitive and growth mindset, track record of taking initiative, and agility to problem solve in a team setting.
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.
- 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.
- 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.