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SalaryAt 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
CRE/Impact Finance Industry Credit Risk Management Officer – Data Focus
Industry Credit Risk Management – CRE is responsible for portfolio management of the Commercial Real Estate (CRE) and/or Impact Finance portfolio across U.S. Bank. The functions include risk identification, management of Credit Risks including risks associated with climate change. The team provides independent Risk Management and governance working closely with the business line, credit approval and various other key constituents to build out a comprehensive and proactive approach to portfolio management that promotes a strong Risk Management culture, aligned with U.S. Bank’s risk appetite.
Job Description
The Industry Credit Risk Management Data Focus Officer, as part of Credit Risk Management, focuses on querying and managing data from many systems in order to manage and identify risk for Bank-wide commercial real estate and related loan portfolios and the loan and/or equity portfolios within the Impact Finance. The person is responsible for developing pro-active and forward-looking viewpoints regarding their industry / portfolio and creating solutions and recommendations for managing risk and influencing positive change. This includes directing, monitoring, and coordinating data driven Risk Management projects for assigned industries / portfolios.
Essential Functions
Develop analytics to manage and analyze Bank and industry data/data systems to:
- Identify current and emerging risks of an assigned lending/equity industry / portfolio, and develop conclusions and recommendations for managing risk
- Work closely with the business line and credit approval and provide expertise and consultation regarding industry and portfolio credit issues and risks
- Manage the Risk Management strategies and elements of lending industry / portfolios, including credit quality and portfolio management strategies
- Work closely with the Climate Risk Management team to address credit related climate risks and report financed emission levels
- Completes Risk Management projects as assigned
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- Typically more than eight years of applicable experience
Preferred Skills/Experience
- Extensive knowledge of data management systems and controls relating to commercial lending and credit standards, policies, procedures, and products
- Strong analytical and problem-solving skills
- Experience and/or strong interest in developing Risk Management systems relating to climate change
- Excellent presentation, interpersonal, verbal, and written communication skills
- Well-developed negotiating skills and networking ability
- Demonstrated proficiency and knowledge of Microsoft Excel, Access, PowerPoint and Word, Power BI, LEAP, nCino, and other data management software systems
- Ability to interpret data, draw conclusions and recommend next steps
- Bachelor’s or Master’s degree with an emphasis on data management, economics and accounting
This role is hybrid. Team members who are in a hybrid role typically spend three days a week at the listed U.S. Bank location(s), while having flexibility on their work location for the other working days.
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.
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 (some may vary based on role, location or hours):
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
EEO is the Law
U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.
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.
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, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $116,280.00 - $136,800.00 - $150,480.00 U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance. Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.
