Business Banking Strategic Credit Policy Manager
U.S. Bank
full-time
Posted on:
Location Type: Hybrid
Location: Gresham • Minnesota • New York • United States
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Salary
💰 $119,765 - $140,900 per year
About the role
- Provide ongoing credit policy support to the Business Banking organization, partnering with credit policy owners in 2LoD to ensure business practices and policies are implemented in accordance with sound credit principles
- Drive strategic credit initiatives with credit policy impact, informing credit policy recommendations that balance sound growth with prudent risk management and governance
- Monitor the impact of implemented credit policy initiatives, making subsequent recommendations to optimize results as necessary
- Represent the Business Banking Credit and Product teams in cross-functional working groups where policy impact is identified
- Monitor changes to general and specialty lending policies for Business Banking impact and engage appropriate stakeholders as needed
- Partner closely with Credit Delivery teams, Governance teams, and other stakeholders to determine Business Banking impact, feedback, and actions from proposed policy changes
Requirements
- Bachelor's degree, or equivalent work experience
- 10 or more years of applicable experience
- Applicable professional certifications
- Will possess a strong understanding of credit principles, including knowledge of Business Banking, general, and applicable specialty credit policies, products, and supporting processes and procedures, including Small Business, SBA, Developer & Investor and/or Healthcare lending
- Must be a self-starter, capable of working collaboratively with cross-functional teams to develop growth initiative strategies that align across key stakeholders and balance sound growth with prudent risk management
- Has proven experience partnering with multiple 1LoD and 2LoD Risk partners, policy owners, and various Subject Matter Experts to identify, address, and mitigate relevant risks
- Has strong analytic skills with the ability to identify, analyze, and interpret results to inform and support data-driven recommendations
- Carries strong problem-solving and creative thinking skills, with the ability to navigate and reconcile complex feedback from multiple sources with minimal oversight
- Proficiency in Excel, Word, PowerPoint, Outlook, Teams, and SharePoint is required.
- Knowledge of Business Banking data, data visualization tools (i.e. PowerBI), underwriting systems (nCino, ACAPS) and LEAP is preferred.
Benefits
- 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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit principlesBusiness Bankingspecialty credit policiesSmall Business lendingSBA lendingDeveloper & Investor lendingHealthcare lendingdata analysisdata-driven recommendationsproblem-solving
Soft Skills
collaborationstrategic thinkingrisk managementanalytic skillscreative thinkingself-starterstakeholder engagementcommunicationfeedback reconciliationinitiative development
Certifications
professional certifications