Credit Risk Review Manager - Wholesale Team

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 and enabling the communities we support to grow and succeed.  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 at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

Partners with leaders in multiple Lines of Business, Risk/Compliance/Audit (RCA) Consultants, and other Risk Management and Compliance Managers to, depending on the function, oversee the successful creation, implementation, and maintenance of an effective risk management framework. Lead projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Facilitate the identification of gaps and drive solutions that minimize losses resulting from inadequate internal processes, systems, or human errors. Ensures the active identification, response and/or escalation of risks as appropriate. May influence policies and procedures to maximize profit potential and minimize regulatory exposure. Accountable for an effective partnership between the Line of Business and the Lines of Defense.

Basic Qualifications 

- Bachelor's degree, or equivalent work experience 

- Typically more than 10 years of applicable experience  

Preferred Skills/Experience 

• Strong leadership ability and ability to develop into a strategic leader.

• 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.

• Exceptional understanding of wholesale lending policies, account management practices, and problem account management techniques, to critically evaluate, draw conclusion and challenge a business unit/process.

• Strategic manager that directs the completion of multiple tasks, projects, and deadlines simultaneously. Completes work by, or ahead of time deadlines.

• Proficient secondary reviewer that can accurately and effectively challenge first reviewer and project manager conclusions, when appropriate.

• 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 and challenges existing processes, when appropriate, to effect positive change.

• Expert level knowledge of credit review processes, and ability to complete thorough work paper review and ensure all key areas of a review were sufficiently addressed and documented.

• Establishes and sustains a high level of trust and credibility with the assigned business line, credit partners, regulatory agencies, and within CRR.

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

• Well-developed decision making and problem solving skills; consistently draws accurate conclusions and can make decisions in complicated situations, unique conditions or without the benefit of full information. Understands when to escalate issues to senior management.

• Strong leadership ability, including ability to manage a diverse group of individuals with differing backgrounds and skillsets. Ability to assess individual skills and expertise, and willingness to delegate work to optimize individual strengths and develop team members.

• Proactively influences behavior with credible, value-added, and risk-based challenge or guidance to ensure a strong credit culture.

• Strong negotiation/persuasion skills, with the ability to positively influence others over which the incumbent has no direct authority.

• Well-developed people skills: The ability to deal with and react to highly sensitive issues in a confidential and professional manner.

• Excellent communicator. Clearly and concisely articulates questions and conclusions. Translates complex concepts into common sense actionable terms. Superior presentation skills.

• Clear and concise writing style and the ability to critique and develop the professional writing skills of team members.

• Strong time management skills, including the ability to independently prioritize assigned tasks, project achievable delivery dates, oversee the work of team members, and ensure direct