Credit Risk Management Quality Assurance Professional

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.

We are seeking an individual contributor to join our Credit Risk Quality Assurance (QA) testing team which is part of our Credit Risk Administration (CRA) team. The Credit Risk QA team assesses portfolio risks and adherence to Credit Policy and Procedures. QA coverage is risk-based and evolves to address changing business needs, regulatory priorities, and emerging risks.

We are a highly dynamic and talented team which delivers on our mission through four pillars:
Customer, Process, Talent, and Data.

Vision | We create the future of credit risk management through data, analytics, and risk process innovation for our customers. Mission | We deliver data-driven information solutions to protect our stakeholders and inform the most significant financial decisions in the bank. Values | In addition to U.S. Bank core values, we prioritize collaboration, integrity, simplicity, and continuous learning.

The Credit Risk Management QA Professional will be part of an established, collaborative team responsible for executing independent reviews across a range of credit risk areas, including Highly Leveraged Transactions (HLT), Shared National Credits (SNC), Weak and Marginal Credit, and Enterprise Valuation Analysis. The role supports oversight activities designed to assess alignment with established risk management and regulatory requirements, with opportunities to contribute to additional coverage areas as priorities evolve.

Additional responsibilities include analyzing and validating complex underwriting and lending criteria across Wealth, Corporate, Commercial, Institutional, and Business Banking portfolios; assessing the effectiveness of credit risk frameworks and controls; conducting analyses to identify emerging trends and areas warranting further review; providing credible challenge and recommendations where appropriate; and identifying reporting enhancements and process improvement opportunities that strengthen risk management practices and support the team's strategic objectives.

• Analyze and filter large data sets using defined criteria to establish testing populations and support sample selection.
• Document review activities and results within QA testing work papers and reports, including the identification and escalation of items requiring secondary review.
• Partner with CRM Approval Officers and other stakeholders to resolve testing inquiries, validate observations, and facilitate corrective action efforts.
• Ensure adherence to established QA methodologies, findings guidance, and process requirements.
• Compile testing results and prepare related reporting for senior and executive management.
• Provide subject matter expertise and consultative support to CRM Credit Approval, Business Lines, and other stakeholders on credit risk and quality assurance matters.
• Participate in reciprocal cross-training by learning assigned responsibilities from others and providing training and support on own areas of expertise.
• Assess and evaluate risk, credit quality, and emerging concerns within assigned products, portfolios, or Business Lines.

• Bachelor's degree, or equivalent work experience - Typically more than six years of applicable experience.

• Bachelor's degree or higher in Accounting, Finance, Economics, or a related field.
• Experience in commercial credit analysis, wholesale portfolio management, or related disciplines.
• Comprehensive knowledge of commercial lending, credit analysis, credit administration, and lending policies and procedures, including…