Us Bank
Senior Product and Industry Credit Risk Manager
Us Bank, Charlotte, North Carolina, United States, 28245
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
Industry and Product Credit Risk Management is responsible for portfolio management of the Commercial & Industrial portfolio across U.S. Bank. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with product offerings. The team works closely with business lines, credit approval officers 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.The Senior Product & Industry Credit Risk Manager will lead a team of risk managers that covers specialty products and the Financial Institutions and Public Sector industries. Identifies and manages risk, including ownership of specialty credit policies, for several industries and product offerings within WCIB and ICG. Product coverage includes Treasury Management, Asset Backed Securitizations, Collateralized Loan Obligations, Asset Based Finance, Equipment Finance, Sponsor Finance, and Subscription Lines. Responsible for developing pro-active and forward-looking viewpoints and creating solutions and recommendations for managing risk and influencing change. This includes directing, monitoring, and coordinating risk management projects and/or activities that promote sound risk management.Basic Qualifications
Bachelor's or advanced degree, or equivalent work experienceTypically more than 15 years of applicable experiencePreferred Skills/Experience
Considerable understanding of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of businessConsiderable understanding of commercial lending and credit standards, the business line’s operations, products/services, systems, and associated risks/controlsThorough knowledge of Risk/Compliance/Audit competenciesStrong leadership and management skills of processes, projects and peopleAbility to interpret data, draw conclusions and recommend next stepsEffective skills at managing stressful situationsEffective written and verbal communication skillsStrong analytical, problem-solving and negotiation skillsProficient computer skills, especially Microsoft Office applicationsApplicable professional certificationsThe 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.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 insuranceShort-term and long-term disabilityPregnancy disability and parental leave401(k) and employer-funded retirement planPaid vacation (from two to five weeks depending on salary grade and tenure)Up to 11 paid holiday opportunitiesAdoption assistanceSick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawEEO is the LawU.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. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal
KNOW YOUR RIGHTS
EEO poster.E-VerifyU.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 .
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Industry and Product Credit Risk Management is responsible for portfolio management of the Commercial & Industrial portfolio across U.S. Bank. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with product offerings. The team works closely with business lines, credit approval officers 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.The Senior Product & Industry Credit Risk Manager will lead a team of risk managers that covers specialty products and the Financial Institutions and Public Sector industries. Identifies and manages risk, including ownership of specialty credit policies, for several industries and product offerings within WCIB and ICG. Product coverage includes Treasury Management, Asset Backed Securitizations, Collateralized Loan Obligations, Asset Based Finance, Equipment Finance, Sponsor Finance, and Subscription Lines. Responsible for developing pro-active and forward-looking viewpoints and creating solutions and recommendations for managing risk and influencing change. This includes directing, monitoring, and coordinating risk management projects and/or activities that promote sound risk management.Basic Qualifications
Bachelor's or advanced degree, or equivalent work experienceTypically more than 15 years of applicable experiencePreferred Skills/Experience
Considerable understanding of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of businessConsiderable understanding of commercial lending and credit standards, the business line’s operations, products/services, systems, and associated risks/controlsThorough knowledge of Risk/Compliance/Audit competenciesStrong leadership and management skills of processes, projects and peopleAbility to interpret data, draw conclusions and recommend next stepsEffective skills at managing stressful situationsEffective written and verbal communication skillsStrong analytical, problem-solving and negotiation skillsProficient computer skills, especially Microsoft Office applicationsApplicable professional certificationsThe 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.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 insuranceShort-term and long-term disabilityPregnancy disability and parental leave401(k) and employer-funded retirement planPaid vacation (from two to five weeks depending on salary grade and tenure)Up to 11 paid holiday opportunitiesAdoption assistanceSick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by lawEEO is the LawU.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. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal
KNOW YOUR RIGHTS
EEO poster.E-VerifyU.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 .
#J-18808-Ljbffr