Credit Risk Review

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, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that's what we call the courage to thrive.   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. Try new things, learn new skills and discover what you excel at—all from Day One. 

Specialty Lending Credit Risk Review Analyst

 

Overview:

Credit Risk Review Officers (CRROs) independently evaluate and monitor credit risk and credit management processes within the bank to minimize losses. This is accomplished through the analysis of portfolio credit quality and portfolio reporting, independent review of individual credits, and the continual monitoring and periodic evaluation of the risk management processes used by the lines of business. CRROs are responsible for critically evaluating the quality of risk management, identifying and challenging weak or ineffective practices, and sharing best practices to effect change. This role is similar to a loan review role at other financial institutions.

Minimum Education and Experience Guidelines:

• Seven years of wholesale and/or business banking credit experience in one or more of the following functions: credit analyst, underwriter, portfolio manager, relationship manager, credit risk review officer, or credit approval officer.

• Bachelor's degree in finance, accounting, business, or a related field preferred, or a Bachelor's degree with relevant industry and/or credit review experience. Individuals may have a Master's degree and/or professional designation in a business field.

Traits and Skills:

• Broad and deep knowledge of commercial lending portfolios (C&I, CRE, Leveraged Lending, Counterparty, etc.)Acceptable understanding of wholesale (C&I and/or CRE) and/or business banking lending policies, account management practices, and problem account management techniques, to critically evaluate the work of a business unit/process.

• Credit analysis skills to accurately evaluate loan structure, borrower financial condition, repayment capacity, collateral, exceptions, risk rating, and key credit risk drivers.

• Ability to accurately evaluate a business unit's underwriting and/or portfolio management processes.

• Draws accurate conclusions efficiently and can make decisions without the benefit of full information.

• May manage reviews with oversight and guidance from a senior team member or manager.

• Knows, understands, accurately uses, and stays current on bank loan policies, industry practices, and regulatory requirements/guidance.

• Knows, understands, accurately uses, and stays current on CRR practices applicable to the CRRO role.

• Ability to investigate, identify, and articulate root causes of issues.

• Clear and concise writing style.

• Strong time management skills, including the ability to prioritize assigned tasks, project achievable delivery dates, meet deadlines or escalate when needed.

• Ability to work independently. Is a self-starter, is self-directed and proactively seeks out work.

General Responsibilities:

• Reviews individual credits or accounts. Accurately analyzes the key aspects of credit underwriting and clearly and sufficiently documents the independent analysis.

• May perform Detailed secondary reviews of line sheets (if approved by Manager).

• Evaluates appropriateness of interpretations and evaluates materiality and qualitative aspects.

• Ensures conclusions are fair and balanced, and supported by thorough and well-documented review and analysis. Considers stakeholder perspectives and feedback when evaluating conclusion decisions.

• Aggregates and summarizes line sheet observations or themes.

• Completes various aspects of project management and may manage reviews with oversight and guidance from a senior team member or manager.

• Performs continuous monitoring of business units (including specialty units), related industry trends, and key risk indicators or metrics.

• Attends/participates in Problem Credit Meetings for assigned units, business lines or regions.

• Attends portfolio credit risk meetings for assigned units, business lines or regions, as applicable.

• Participates in special projects, as appropriate, including engagement with other CRR or IRR teams.

• Completes follow-up issue remediation monitoring and performs issue validation testing, as applicable.

Working Hours: Based on Polish standard time (typically 9:00 AM – 5:00 PM or 10:00 AM – 6:00 PM), with flexibility to accommodate occasional meetings with U.S.-based colleagues.

Hybrid/flexible schedule Location Expectations;

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.

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:

We offer an exciting, fast-paced and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security; and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

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