Business Banking Portfolio Credit Strategy Manager

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 The organization's risk management structure is designed to promote effective governance and risk management that is systematic, transparent, credible, timely, and verifiable through clear delineation and execution of key roles and responsibilities. Its goal is to assess and/or manage risks that may impact the company, including credit, financial, liquidity, market, operational, reputational, strategic, and other risks as appropriate. The Business Risk Professional will partner with their assigned Line of Business, other Business Risk Professionals, and Business Risk Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework. May participate in projects and/or activities that ensure compliance with applicable federal, state and local laws and regulations. May identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors. May actively identify, respond and/or escalate risks as appropriate. May inform policies and procedures in an effort to maximize profit potential and minimize regulatory exposure. May serve as a functional liaison between the Line of Business and the Lines of Defense. Job Responsibilities: Provide ongoing credit policy support to the Business Banking organization, partnering with credit policy owners in 2LoD to ensure business practices and policies are implemented in accordance with sound credit principles Drive strategic credit initiatives, informing credit recommendations that balance sound growth with prudent risk management and governance Monitor the impact of implemented credit initiatives, making subsequent recommendations to optimize results as necessary  Represent the Business Banking Credit and Product teams in cross-functional working groups where policy impact is identified Monitor changes to general and specialty lending policies for Business Banking impact and engage appropriate stakeholders as needed Partner closely with Credit Delivery teams, Governance teams, and other stakeholders to determine Business Banking impact, feedback, and actions from proposed policy changes Basic Qualifications Bachelor's degree, or equivalent work experience 10 or more years of applicable experience Applicable professional certifications Preferred Skills/Experience Will possess a strong understanding of credit principles, including knowledge of Business Banking, general, and applicable specialty credit policies, products, and supporting processes and procedures, including SBA, and Conventional C&I and D&I lending Must be a self-starter, capable of working collaboratively with cross-functional teams to develop growth initiative strategies that align across key stakeholders and balance sound growth with prudent risk management Has proven experience partnering with multiple 1LoD and 2LoD Risk partners, policy owners, and various Subject Matter Experts to identify, address, and mitigate relevant risks Has strong analytic skills with the ability to identify, analyze, and interpret results to inform and support data-driven recommendations Carries strong problem-solving and creative thinking skills, with the ability to navigate and reconcile complex feedback from multiple sources with minimal oversight Proficiency in Excel, Word, PowerPoint, Outlook, Teams, and SharePoint is required. Knowledge of Business Banking data, data visualization tools (i.e. PowerBI), underwriting systems (nCino, ACAPS) and LEAP is preferred. The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our  disability accommodations for applicants . Benefits:   Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here . U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. 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 . The