Business Banking Senior Credit Officer

U.S. Bank • Newport Beach, CA • 2h ago

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

Senior Credit Risk Management role responsible for leading a team of Credit Approval Officers supporting Business Banking lending in the Midwest and East regions. Portfolio composition includes C&I, Investment Real Estate and Agriculture.

The team is responsible for approving loans exceeding business line authority levels and overseeing the management of the Business Banking portfolio. Responsible for maintaining prudent lending standards within U.S. Bank's risk appetite and ensuring conformity with U.S. Bank policies and procedures, while supporting business growth, initiatives and the development/retention of client relationships.

The individual serves as a subject matter expert for credit policy/procedures, credit underwriting and analysis. The team oversees the credit culture for the business line, monitors delinquency, loss and risk rating accuracy for business banking. The individual will lead the team in working with partners in sales, product, underwriting, portfolio management, auditors, and regulators.

Basic Qualifications

Bachelor's or advanced degree, or equivalent work experience

Typically more than 15 years of applicable experience

Preferred Skills/Experience

Demonstrated experience in credit risk management

Demonstrated experience in risk analysis, structuring, and portfolio management skills for C&I lending, agricultural production and investment real estate

Excellent interpersonal, presentation, written and verbal communication skills

Expert knowledge of credit policies, procedures and underwriting standards/practices

Ability to assess and manage industry-specific risks

Ability to collaborate effectively with business units to support portfolio growth and operational excellence while appropriately managing risk

Demonstrated management and leadership skills, as well as the ability to effectively mentor approvers and manage a diverse nationwide team

Considerable understanding of applicable laws, regulations, financial services, and regulatory trends that impact business banking/commercial lending

Considerable knowledge of the business line's operations, products, services, systems, and associated risks/controls

This role requires working from a U.S. Bank 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 (https://careers.usbank.com/global/en/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 (https://careers.usbank.com/global/en/benefits/us) .

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 (https://careers.usbank.com/verification-of-eligibility-for-employment) .

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: $193,035.00 - $227,100.00

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.

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