Credit Risk Review (CRR) Lead Analyst

At U.S. Bank were on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions enabling the communities we support to grow and succeed in the right ways all more confidently and more oftenthats what we call the courage to thrive. 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. Try new things learn new skills and discover what you excel atall from Day One.

Job Description

Commercial Real Estate Credit Risk Review Analyst

Overview:

Credit Risk Review Officers (CRROs) independently evaluate and monitor credit risk and credit management processes within the bank to minimize losses. This is accomplished through the analysis of portfolio credit quality and portfolio reporting independent review of individual credits and the continual monitoring and periodic evaluation of the risk management processes used by the lines of business. CRROs are responsible for critically evaluating the quality of risk management identifying and challenging weak or ineffective practices and sharing best practices to effect change. This role is similar to a loan review role at other financial institutions.

Minimum Education and Experience Guidelines:

• Seven years of wholesale and/or business banking credit experience in one or more of the following functions: credit analyst underwriter portfolio manager relationship manager credit risk review officer or credit approval officer.

• Bachelors degree in finance accounting business or a related field preferred or a Bachelors degree with relevant industry and/or credit review experience. Individuals may have a Masters degree and/or professional designation in a business field.

Traits and Skills:

• Broad and deep knowledge of commercial real estate lending portfolios (CRE secured unsecured REITs subscription lines Funds etc.).

• Acceptable understanding of wholesale (C&I and/or CRE) and/or business banking lending policies account management practices and problem account management techniques to critically evaluate the work of a business unit/process.

• Credit analysis skills to accurately evaluate loan structure borrower financial condition repayment capacity collateral exceptions risk rating and key credit risk drivers.

• Ability to accurately evaluate a business units underwriting and/or portfolio management processes.

• Draws accurate conclusions efficiently and can make decisions without the benefit of full information.

• May manage reviews with oversight and guidance from a senior team member or manager.

• Knows understands accurately uses and stays current on bank loan policies industry practices and regulatory requirements/guidance.

• Knows understands accurately uses and stays current on CRR practices applicable to the CRRO role.

• Ability to investigate identify and articulate root causes of issues.

• Clear and concise writing style.

• Strong time management skills including the ability to prioritize assigned tasks project achievable delivery dates meet deadlines or escalate when needed.

• Ability to work independently. Is a self-starter is self-directed and proactively seeks out work.

General Responsibilities:

• Reviews individual credits or accounts. Accurately analyzes the key aspects of credit underwriting and clearly and sufficiently documents the independent analysis.

• May perform Detailed secondary reviews of line sheets (if approved by Manager).

• Evaluates appropriateness of interpretations and evaluates materiality and qualitative aspects.

• Ensures conclusions are fair and balanced and supported by thorough and well-documented review and analysis. Considers stakeholder perspectives and feedback when evaluating conclusion decisions.

• Aggregates and summarizes line sheet observations or themes.

• Completes various aspects of project management and may manage reviews with oversight and guidance from a senior team member or manager.

• Performs continuous monitoring of business units (including specialty units) related industry trends and key risk indicators or metrics.

• Attends/participates in Problem Credit Meetings for assigned units business lines or regions.

• Attends portfolio credit risk meetings for assigned units business lines or regions as applicable.

• Participates in special projects as appropriate including engagement with other CRR or IRR teams.

• Completes follow-up issue remediation monitoring and performs issue validation testing as applicable.

Working Hours: Based on Polish standard time (typically 9:00 AM 5:00 PM or 10:00 AM 6:00 PM) with flexibility to accommodate occasional meetings with U.S.-based colleagues.

Hybrid/flexible schedule Location Expectations;

The role offers a hybrid/flexible schedule which means theres 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 theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to ourdisability accommodations for applicants.

Benefits:

We offer an exciting fast-paced and diverse working environment with employees of many different nationalities. We provide benefits to help you protect your health and financial security; and give you peace of mind. We also invest in your career growth with development resources that give you the opportunity to stretch and shine.

Posting may be closed earlier due to high volume of applicants.