U.S. Bank
Senior Credit Approval Officer
U.S. Bank, Providence, Rhode Island, us, 02912
U.S. Bank Senior Credit Approval Officer Providence, Rhode Island Apply Now
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 DescriptionThe Senior Credit Approval Officer position within Credit Risk Management is responsible for credit approval activities focusing on the following portfolios: Government Banking, Depository Financial Institutions (DFI), and Education Non-Profit (ENP). Responsibilities include:Review and approval of facilities, approving loans, leases, and lines of credit in excess of business unit or credit officer authority levels.Analysis of deal structure and documents, collateral evaluation and due diligence, internal rating analysis, and stress testing.Developing guidance policies and monitoring delinquency, loss, and risk rating accuracy across business units.Reviewing group's loan underwriting and portfolio management performance for senior management/regulatory agency review.Working collaboratively with business lines to maintain and ensure compliance with related policies and procedures.Monitoring and reporting on risk across the portfolios, ensuring compliance with regulatory requirements.Identifying trends and potential risks and issues, and analyzing new business prospects.Serving as a subject matter expert and providing guidance related to the businesses.Basic QualificationsBachelor's or advanced degree, or equivalent work experience.Typically more than 15 years of applicable experience.Preferred Skills/ExperienceConsiderable understanding of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business.Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls.Thorough knowledge of Risk/Compliance/Audit competencies.Strong leadership and management skills of processes, projects, and people.Effective skills at managing stressful situations.Effective written and verbal communication skills.Strong analytical, problem-solving, and negotiation skills.Proficient computer skills, especially Microsoft Office applications.Applicable professional certifications.This role is posted as remote; however, candidates located near any one of our locations would be required to work on-site at least three 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.EEO 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.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 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. Pay Range: $165,325.00 - $194,500.00 - $213,950.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws.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.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.
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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 DescriptionThe Senior Credit Approval Officer position within Credit Risk Management is responsible for credit approval activities focusing on the following portfolios: Government Banking, Depository Financial Institutions (DFI), and Education Non-Profit (ENP). Responsibilities include:Review and approval of facilities, approving loans, leases, and lines of credit in excess of business unit or credit officer authority levels.Analysis of deal structure and documents, collateral evaluation and due diligence, internal rating analysis, and stress testing.Developing guidance policies and monitoring delinquency, loss, and risk rating accuracy across business units.Reviewing group's loan underwriting and portfolio management performance for senior management/regulatory agency review.Working collaboratively with business lines to maintain and ensure compliance with related policies and procedures.Monitoring and reporting on risk across the portfolios, ensuring compliance with regulatory requirements.Identifying trends and potential risks and issues, and analyzing new business prospects.Serving as a subject matter expert and providing guidance related to the businesses.Basic QualificationsBachelor's or advanced degree, or equivalent work experience.Typically more than 15 years of applicable experience.Preferred Skills/ExperienceConsiderable understanding of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business.Considerable understanding of the business line’s operations, products/services, systems, and associated risks/controls.Thorough knowledge of Risk/Compliance/Audit competencies.Strong leadership and management skills of processes, projects, and people.Effective skills at managing stressful situations.Effective written and verbal communication skills.Strong analytical, problem-solving, and negotiation skills.Proficient computer skills, especially Microsoft Office applications.Applicable professional certifications.This role is posted as remote; however, candidates located near any one of our locations would be required to work on-site at least three 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.EEO 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.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 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. Pay Range: $165,325.00 - $194,500.00 - $213,950.00U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws.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.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.
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