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 Credit Strategy and Program Management is responsible for portfolio management for the Wholesale credit portfolio across U.S. Bank. Credit Portfolio Strategy is responsible for maintaining and enhancing the various risk frameworks to ensure the Wholesale portfolio remains within the banks risk appetite. The team provides independent risk management and governance around various frameworks including risk rating, single name aggregation, single name concentration, portfolio construction, risk appetite, and risk mitigation. The group works closely with Risk and Business partners 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.
The Credit Strategy Analyst role, as part of Credit Strategy, provides empirical support for various credit risk projects within the Wholesale Commercial portfolios. This role includes the opportunity to develop analytics supporting many key strategic initiatives that are highly visible and important to the success of the Credit Strategy and Program Management - including risk rating framework and scorecards, hold limits and concentrations, and risk mitigation strategies. This role will identify, analyze, and interpret trends or patterns in complex data to provide empirical support to business requests as well as provide recommendations for action. This roe also may consist of developing, maintaining, and writing programming code (through SQL, SAS, Python, or other languages) for analysis and reporting by aggregating data across multiple databases to discover source and cause of the risks identified. This role will also present data and analysis in a clear and concise manner allowing senior management to quickly understand the results and recommendations to in support of data driven decisions.
Basic Qualifications - Bachelor's degree, or equivalent work experience
- Typically 3+ years of applicable experience
Preferred Skills/Experience - Proficient in computer programming languages - such as Microsoft SQL, SAS, or Python
- Proficient in data visualization tools - such as PowerBI
- Proficient in Microsoft Excel, as well as other Microsoft Office products
- Intermediate knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
- Intermediate 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
- Effective presentation, interpersonal, written and verbal communication skills
- Applicable professional certifications
The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. We are hiring in the following locations: - Minneapolis, MN
- Charlotte, NC
- Cincinnati, OH
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
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 .
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: $81,515.00 - $95,900.00 - $105,490.00
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.