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 incorporate 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.
• Tracking initiative status and communicating 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 management, reporting, process improvement, or data analytics
• Bachelor's degree in an appropriate field (Computer Science, Engineering, Mathematics, Economics, Statistics, Business) or equivalent work experience
• 5+ years of hands-on experience with programming languages such as Python, SQL and SAS.
• Familiarity with version control systems and collaborative development workflows like GitLab, GitHub.
• Expertise visual analytics tools such as Power BI, Power Apps, Power Automate (desktop and Cloud) and Dataflow.
• Working knowledge of SOX controls and quality assurance frameworks in financial services.
• Strong project management skills, with a demonstrated focus on execution, accountability and achieving project objectives and communicating regularly with project stakeholders
• Self-starter with initiative to learn new tasks quickly and proactively anticipates customer needs
• Excellent written and verbal communication skills for documenting technical processes and engaging with cross-functional teams.
• Proven ability to identify issues or gaps in credit processes and develop innovative solutions
• General knowledge of finance, banking, and accounting principles relevant to credit risk.
• Proven ability to work independently and collaboratively across multidisciplinary teams.

This role requires working from a U.S. Bank location three (3) or more days per week.
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 (some may vary based on role, location or hours):

• 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

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 salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $105, $124,000.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

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