Senior Credit Risk Manager

6 days ago

Minneapolis, Minnesota, United States U.S. Bank Full time

Job Summary

The Senior Credit Risk Manager will be a key member of the Residential Real Estate Corporate Credit Risk Management team at U.S. Bank. This role is responsible for managing the credit risk for the Home Equity portfolio. The ideal candidate will have a strong understanding of Credit Risk Management and Residential Real Estate, with prior experience on Home Equity/2nd Lien lending preferred.

Key Responsibilities

  • Prepare ongoing and ad hoc reporting to identify trends and emerging risks in the Home Equity portfolio.
  • Coordinate with the Business Line and other members of the Second Lines of Defense to assess changes that impact the portfolio's credit risk, including marketing programs, Line Management programs, updates to the Loan Origination Systems and Servicing Systems, changes to Credit Policy, and other ongoing initiatives.
  • Perform ad-hoc, quarterly, and annual analysis of key credit risk topics such as HELOC qualification rates, interest rates, Loan-to-Value restrictions, exception limits, Through-the-Cycle guidelines, and other areas.
  • Manage the review of the current Line Management programs to ensure that recommended Home Equity Line of Credit (HELOC) restrictions comply with approved practices.
  • Ensure the data collection, documentation, and reporting processes comply with the Bank's governance policies such as the Data Governance, Model Risk Management, and other policies.
  • Keep abreast of industry best practices, regulatory guidance, and external risk environment and apply to the oversight of risk management activities.

Requirements

  • Excellent written and verbal communication skills, including the proven ability to understand, synthesize, and translate complex concepts into straightforward messages.
  • Able to manage multiple competing demands and prioritize effectively in a dynamic environment.
  • Strong process facilitation, project management, and analytical skills.
  • Proficient in Microsoft Excel, PowerPoint, and Word; experience with SAS, Tableau, and PowerBI are a plus.
  • Experience with Loan Origination and Servicing systems such as Net Oxygen, MSP, and ALS is a plus.

Benefits

  • 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

EEO is the Law

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

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