Senior IPF Relationship & Credit Advisor

• 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

• 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

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Hard Skills

• IPF lending
• portfolio management
• credit analysis
• loan origination
• economic analysis
• risk assessment
• negotiation
• compliance
• suspicious activity reporting
• credit review

Soft Skills

• communication skills
• analytical skills
• decision-making
• problem-solving
• tact
• diplomacy
• people skills