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About the role
Key responsibilities & impact- Fulfill underwriting requirements while providing accurate, timely and conclusive credit memos
- Perform due diligence on prospective borrowers and new opportunities and assist in preparing the initial reviews
- Coordinates work with, Credit Risk Management and other groups, promoting consistent quality and conciseness of credit documents and streamlining work flow among underwriting, credit approval and Credit Risk Management
- Participates and contributes in credit approval discussions
- Participates in joint client calls with relationship managers, clients and advisors.
- Performs timely covenant compliance and collateral valuation updates
- Assists relationship managers in working with internal and external legal counsel reviewing and ensuring accuracy of credit agreements
- Assists relationship managers in loan structuring to win without undue risk to Bank
- Understand and comply with all U.S. Bank Credit Policies and Procedures
Requirements
What you’ll need- Bachelor's degree, or equivalent work experience
- Three to five years of relevant experience
- Thorough credit underwriting knowledge with experience in complex individual underwriting.
- Thorough understanding of credit standards, policies, procedures, government agency compliance (Reg B, H, O, etc.)
- IPF product experience preferred but not required
- Strong analytical and problem-solving skills
- Well-developed written communication and verbal presentation skills
- Ability to work effectively with individuals and groups across the company to manage customer relationships
- Has aptitude to work on several time sensitive deals, projects and tasks at one time in a fast paced environment.
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
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
credit underwritingcovenant compliancecollateral valuationcredit standardscredit policiescredit proceduresloan structuringdue diligencecredit memosanalytical skills
Soft Skills
problem-solvingwritten communicationverbal presentationcustomer relationship managementteam collaborationtime managementadaptabilityattention to detailorganizational skillsinterpersonal skills
Certifications
Bachelor's degree