Job DescriptionJob 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
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.
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
Posting may be closed earlier due to high volume of applicants. 
