Structured Finance Credit Approval Officer

U.S. Bank

. Review and approval of ABS exposures across various asset types, including auto, fleet lease, equipment, trade receivables and consumer loans.

Posted 4/5/2026full-timeNew York City • Illinois, Minnesota, New York, North Carolina • 🇺🇸 United StatesSeniorLead💰 $170,255 - $200,300 per yearWebsite

About the role

Key responsibilities & impact

Review and approval of ABS exposures across various asset types, including auto, fleet lease, equipment, trade receivables and consumer loans.
Approval of CLOs (both Middle Market and BSL) and private debt securitization lending facilities.
Assessing various risks in an ABS transaction, such as credit, rate, liquidity, regulatory, etc.
Transaction review includes the analysis of deal structure and documents, servicer evaluation and due diligence, internal rating analysis, stress testing, and adherence to bank policies and procedures.
Help with monitoring ABS and CLO portfolios performance.
Work with Portfolio Managers, Relationship Managers, and other senior officers internally.
Actively participate in client due diligence meetings.

Requirements

What you’ll need

Bachelor's or advanced degree, or equivalent work experience
Typically, more than 12 years of applicable experience
Typically requires more than six to seven years of directly relevant experience across ABS asset classes, including auto loans and leases, fleet lease, equipment, trade receivables, consumer loans.
Demonstrated ability to analyze complex transactions, legal documentation, collateral data and performance, and structural protections
Strong data and trend analysis capabilities, distilling complex information into clear, actionable insights.
Advanced Excel proficiency, including experience manipulating large data sets.
Excellent verbal and written communication skills
Prior credit approval experience.
Expertise in CLO/private debt securitization.
Expertise in Commercial and Consumer ABS asset classes.
Knowledge of current developments and trends in ABS and CLO markets
Expert knowledge of credit and lending policies.
Demonstrated relationship management abilities.
Advanced knowledge of organizational structure, business practices, business philosophy, and ethics.

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

ABS analysisCLO expertisecredit approvaldata analysistrend analysisExcel proficiencytransaction analysisdue diligencestress testinglegal documentation analysis

Soft Skills

communication skillsrelationship managementanalytical skillsorganizational skillsproblem-solvinginterpersonal skillsattention to detailactionable insightscollaborationclient engagement