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U.S. Bank Credit Risk Quality Assurance Professional in Columbus, Ohio

At U.S. Bank, we're passionate about helping customers and the communities where we live and work. The fifth-largest bank in the United States, we’re one of the country's most respected, innovative and successful financial institutions. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

Job Description

The Credit Risk Quality Assurance Professional will join an established team with an oversight role providing and meeting heightened risk and regulatory expectations. This opportunity maintains and expands Quality Assurance processes at the enterprise level which include but are not limited to weak and marginal credit identification and reporting, as well as evaluating new higher risk borrowing relationships and risk rating accuracy through systemic testing.

Additional responsibilities include analyzing and validating often times complex underwriting and lending criteria used by numerous wholesale and smaller business divisions and credibly challenge if needed; creating or compiling reports to internal service partners and the regulatory authority; conducting risk analysis and risk management projects and analyzing results to identify key risks and trends; and proactively identifying reporting gaps and process improvement opportunities to support the team's strong risk management objectives.

Essential Functions

  • Identifies and evaluates risk, credit quality, and potential problems within a product or Business Line.

  • Provides expertise and consultation regarding credit issues and gives advice and guidance to applicable product or Business Lines.

  • Analyzes and validates underwriting and select criteria within Commercial and Industrial and Commercial Real Estate lending portfolios.

  • Initiates and maintains credit policy for new and existing credit products.

Basic Qualifications

  • Bachelor's degree, or equivalent work experience

  • Seven to ten years of applicable experience

Preferred Skills/Experience

  • Underwriting and/or portfolio management for large and complex credits

  • Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business

  • Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls

  • Considerable knowledge of Risk/Compliance/Audit competencies

  • Strong process facilitation, project management, and analytical skills

  • Must possess business acumen and credibility to help business line(s) proactively identify and address changing workforce needs

  • Excellent presentation, interpersonal, written and verbal communication skills

  • Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations

  • Applicable professional certifications preferred

Benefits:

Take care of yourself and your family with U.S. Bank employee benefits. We know that healthy employees are happy employees, and we believe that work/life balance should be easy to achieve. That's why we share the cost of benefits and offer a variety of programs, resources and support you need to bring your full self to work and stay present and committed to the people who matter most - your family.

Learn all about U.S. Bank employee benefits, including tuition reimbursement, retirement plans and more, by visiting usbank.com/careers (https://www.usbank.com/careers/index.html) .

EEO is the Law

Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) poster.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://www.usbank.com/careers/verification-of-eligibility-for-employment.html) .

Our 74,000 employees work across departments to help our millions of retail, business, wealth management, payment, commercial and corporate, and investment services customers across the country and around the world turn their dreams into reality. Our employees are empowered to create change and drive our future, and we pride ourselves on diligently and ethically upholding U.S. Bank’s best-in-class financial record and legacy of more than 150 years in banking. Most importantly, we put people first, cultivating and treasuring meaningful relationships with the customers we serve, the colleagues we support and the communities where we live and work.

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