Job DescriptionRESPONSIBILITIES
Responsible for the oversight of credit risk. Achieves credit performance and lending risk profiles in comparison with peer lenders, external Agency Investor requirements, and internal defined performance goals. Establishes and administers credit policies and procedures for specified business channels to ensure compliance with various regulatory, investor, government and corporate requirements. Communicates and reviews Memos, guideline changes, credit risk appetite, credit quality and performance with Business Line, Sales and Operation Groups, and assists with effective execution of policy, process, and procedure for managing credit risks. Advocates for the Business Line on credit issues based on reasonable credit risks to balance market share and revenue growth with loan quality expectations.
BASIC QUALIFICATIONS
- 10 or more years of relevant experience
- Bachelor's degree or equivalent work experience.
PREFERRED SKILLS/EXPERIENCE
- Thorough understanding of all aspects of credit risk policies, procedures and practices.
- Expert knowledge in advanced modeling techniques and mathematical models, algorithm use and optimization, and data science technologies.
- Considerable knowledge in banking products/services, banking operations and current market trends.
- Understand the full spectrum of data feature retrieval and selection; model technique selection, model build, implementation, monitoring and integration; interpretation of outputs, and development of recommendations.
- Capable of identifying commonalities across seemingly disparate analytics use cases, to identify unique ways of approaching modeling.
- Strong experience in advanced analytics, statistics, data mining, predictive analysis, time-series analysis, natural language processing and deep learning.
- Proficient at Python, SQL, popular ML frameworks and libraries.
- Understanding of Azure cloud services.
- Effective organizational, project management, and execution skills.
- Strong analytical and decision-making skills.
- Excellent interpersonal, verbal and written communication skills.
LOCATION EXPECTATIONS
- This role requires working onsite from a U.S. Bank location three or more days per week.
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: $133,365.00 - $156,900.00
