Insurance Premium Finance Banker

U.S. Bank

Insurance Premium Finance Banker managing relationships with high income/high net worth clients. Ensures compliance with banking regulations and supports portfolio management.

Posted 6/17/2026full-timeMinnesota, New York, Ohio, Oregon, Washington • 🇺🇸 United StatesSeniorLead💰 $126,820 - $149,200 per yearWebsite

About the role

Key responsibilities & impact

Responsible for retention, development and growth of affluent and/or high net worth IPF relationships.
Coordinate, sync and interface with external Broker General Agents (BGAs) as well as internal partners within U.S. Bank for credit review, analysis, and approval.
Provides financial advice to and counsel, including alternative solutions, to IPF clients and prospective clients.
Manages relationships with clients to ensure clients’ IPF financial needs are met and exceeded.
Interface with internal and external partners, including clients, PWAs, PWCs, BGAs, at onset of lending discussion.
Manage IPF opportunities from inception to closing as well as ongoing portfolio management and ongoing premium advances and loan renewals.
Ensures the credit worthiness of customers, maintaining proper risk ratings and maintaining client satisfaction.
Analyze economic and industry market trends to identify potential business opportunities and high-risk situations.
Analyzes existing loans to ensure conformity with terms and to detect the development of unfavorable trends.
Lead preflight discussions with the credit team.
Negotiate terms through approval and closing.
Monitor portfolio - credit +, reviews/renewals, premium payments.
Actively ensures compliance with the U.S. Bank Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements, policies and procedures.
Actively participates in any required corporate and business line training in these areas.
Follows account procedures and understands and follows internal suspicious activity referral requirements and processes, as required for this position.
Actively works with customers to understand each customer’s normal account activity, as appropriate for this position.

Requirements

What you’ll need

7+ years of banking experience
Excellent working knowledge of IPF lending, including origination, and portfolio management
Experience working with complex credits
Knowledge of unit(s) and relation to industry.
Well-developed verbal and written communication skills.
Well-developed analytical, decision-making and problem-solving skills.
Considerable tact, diplomacy and people skills.
Bachelor’s degree or equivalent work experience
Knowledge of U.S. Bank internal systems preferred

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

IPF lendingportfolio managementcredit analysisloan originationeconomic analysisrisk assessmentnegotiationcompliancesuspicious activity reportingcredit review

Soft Skills

communication skillsanalytical skillsdecision-makingproblem-solvingtactdiplomacypeople skills