Credit Transformation Specialist

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

Credit Risk Administration – Credit Transformation Specialist

We are seeking a Credit Transformation Specialist within the Credit Transformation team, reporting to the Head of Credit Transformation Development and Technology Lead. We seek an experienced analyst to help identify, design, and implement creative technical solutions that enable process transformation and innovation across Credit Risk.

About the Credit Risk Administration (CRA) Team

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.

About the Role

In this position, you will be a critical contributor, helping lead technical development and process redesign projects that enable CRA to achieve its operational, strategic, and transformational priorities. As such, you must bring a passion for customer service, advocate for change on behalf of customers, and operate comfortably in complex environments. You will work frequently with highly quantitative subjects and colleagues with a wide range of technical capabilities.

In this position, you will become an acknowledged analytics expert and project leader by developing actionable recommendations, redesigning credit risk processes using creative technical solutions, and by leading colleagues through complex process changes. You will operate comfortably amidst uncertainty and evolving business conditions, by translating stakeholder requirements and feedback into efficient technical solutions. You will work with large data volumes while executing complex analyses, interpreting quantitative results, and incorporating qualitative subject expertise into risk governance processes.

By maintaining trusted relationships across project stakeholders, your projects will eliminate manual workload or improve credit analysis and risk governance. Designing efficient workflows using software and tools (for example using SQL, R, Python, Excel, Power Apps, Power Automate, Power Automate Desktop, Power

BI, and SAS) you will gain broad exposure across credit risk management deploying new solutions while learning about the bank’s products and businesses.

Key Activities

• Evaluating current operational processes for optimization, automation, or improved change management potential, balancing innovation with process risk

• Drove transformation projects by clearly defining project scope, objectives, project plans and timelines, technical requirements, and deliverables

• Develop technical solutions using a combination of coding skills (e.g., R, SQL, Python, SAS, etc.), Microsoft Power Platform (e.g., Power BI, Power Automate, Power Apps) and other internally available tools to eliminate manual time and effort from routine governance processes

• Teach and train colleagues to use new tools and processes within their roles

• Track initiative status and communicate successes to senior management

• Identify skill gaps with customers and identify opportunities to develop new training programs

Basic Qualifications

• Bachelor’s degree, or equivalent work experience

• Typically more than six years of applicable experience

Preferred Skills

• 6–8 years or more years at a financial institution working in one or combination of data…