Industry Credit Risk Management – CRE Officer

Industry Credit Risk Management – CRE Officer

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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.

Credit Strategy is a dynamic team within Credit Risk Management focused on optimizing the identification, quantification and mitigation of credit risk. The team oversees critical second line of defense risk management programs including USB’s risk limit framework, risk rating, policy exceptions, risk , credit concentration, stress testing, collateral audit, credit policy and procedures, portfolio monitoring, strategic product growth and/or enhancements, regulatory review and compliance, and rapid response to emerging risk.

Credit Strategy culture revolves around innovation, execution and collaboration across all 3 lines of defense and regulatory bodies. Talent seeking to join the Strategy team should possess an inquisitive and growth mindset, track record of taking initiative, and agility to problem solve in a team setting.

In this role, you will serve as a thought leader, coordinator and implementation manager to help ensure we effectively meet or exceed the goals for key credit risk management strategy initiatives and programs.

Industry Credit Risk Management – CRE Officer is responsible for portfolio management of the bank-wide Commercial Real Estate (CRE) and Impact Finance (formerly Community Development Corp) portfolios across U.S. Bank. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with the CRE and Impact Finance portfolios.

Additional duties would include developing pro‑active and forward‑looking viewpoints regarding the industry / portfolio and creating solutions and recommendations for managing risk and influencing positive change. This includes directing, monitoring, and coordinating risk management projects for assigned industries / portfolios. This role provides independent risk management and governance while working closely with the business line, credit approval and various other key constituents to build out a comprehensive and proactive approach to portfolio management that promotes a strong risk management culture, aligned with U.S. Bank’s risk appetite.

You will build and maintain relationships with peers in the Credit Strategy as well as the broader Credit Risk Management (CRM) organization and line of business to achieve desired project goals or program outcomes. This is an influential individual contributor role that requires managing projects simultaneously, maintaining strong procedural documentation, and adjusting priorities as the business and regulatory environment evolves.

• Partnering with Credit Risk Management and U.S. Bank business units to identify and manage emerging risks associated with the respective portfolio. This includes developing relevant metrics and segmentation to assess exposure at risk and credit policies to mitigate short‑term and long‑term risks, with demonstrated value creation where feasible.
• Assisting in developing requirements for technology projects to gather relevant data and design ongoing or ad‑hoc analyses as needed.
• Working with the centralized reporting team to develop and maintain relevant reporting, risk limits and analysis, and performing scenario analysis to understand the bank’s exposure to potential risks and opportunities.
• Preparing management reports and presentations to communicate current state and progress on…