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
Job Description
Institutional Client Group Senior Portfolio Manager - SPM Technology will oversee the underwriting and credit risk assessment of commercial loans within the Technology sector ensuring sound financial analysis, compliance with regulatory requirements, and alignment with the bank's credit policies and risk appetite. This role requires strong leadership, industry knowledge, and the ability to collaborate with relationship managers, risk teams, and senior leadership to drive high-quality credit decisions.
Key Responsibilities
Lead and manage a team of underwriters focused on commercial loans in the technology space, providing guidance, mentorship, and performance oversight.
Assess and approve complex commercial loan applications.
Conduct in-depth financial analysis, including cash flow modeling, debt service coverage, and collateral valuation, to determine borrower creditworthiness.
Develop and refine underwriting standards specific to the technology Industry ensuring alignment with market trends and regulatory requirements.
Collaborate with relationship managers and credit approval officers to structure loans that meet client needs while protecting the bank's interests.
Monitor portfolio performance, identifying trends, early warning signs, and risk mitigation strategies.
Ensure compliance with all regulatory guidelines, internal policies, and industry best practices.
Present credit decisions and recommendations to senior management and CRM. needed.
Stay informed on industry trends, including market conditions, regulatory changes, and economic factors affecting the technology sector.
Basic Qualifications
Degree in finance, accounting or other related field or equivalent experience
10 or more years of corporate/commercial lending experience
Three or more years of management experience
Preferred Qualifications
Bachelor's degree in Finance, Accounting, Business, or a related field (MBA or CFA preferred).
10+ years of commercial loan underwriting experience, with at least 3 years in a leadership role.
Knowledge of the technology industry.
Strong credit analysis skills, including financial statement analysis, risk assessment, and structuring complex deals.
Experience working in a banking environment managing multi-million-dollar loan portfolios.
Deep understanding of banking regulations (OCC, FDIC, Basel III) and loan underwriting best practices.
Proven leadership skills with the ability to mentor and develop underwriting teams.
Excellent communication skills, with the ability to present credit decisions to executive
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: $206,720.00 - $243,200.00
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.
