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

This role has multiple levels, open to candidates with typically more than 15 years of experience. The successful candidate will be hired for the level of the position that aligns with their experience.
Partners with Senior to Executive Leaders in their assigned Line of Business, Risk/Compliance/Audit (RCA) Consultants, RCA Managers and other Senior RCA Managers to, depending on the function, oversee the successful creation, implementation, and maintenance of an effective risk management framework. Accountable for projects and/or activities that ensure compliance with applicable federal, state, and local laws and regulations. Identifies gaps and drives solutions that minimize losses resulting from inadequate internal processes, systems or human errors. Accountable for the active identification, response and/or escalation of risks as appropriate.
As a Regional Credit Approval Officer you will be responsible for assessing and managing the credit risk of commercial real estate lending transactions, working closely and collaboratively with Relationship Managers, Portfolio Managers, and all other stakeholders to ensure that credit decisions comply with bank policies, procedures, our Risk Appetite Statements and applicable industry rules and regulations.

BASIC QUALIFICATIONS

• Bachelor’s or advanced degree, or equivalent work experience
• Typically more than 15 years of applicable experience

PREFERRED SKILLS/EXPERIENCE

• Bachelor’s or advanced degree in business, finance, real estate, accounting or related field

• Typically 12+ years commercial real estate lending experience, ideally at a regional, super-regional, or money-center bank; prior credit approval experience desired

• Strong knowledge of commercial real estate product types and market trends. - Prior experience with commercial real estate capital markets and structured finance preferred

• Refined experience with financial analysis and credit risk assessment

• Must be willing to take a leadership role, clearly articulate opinions, and participate in the development of junior team members within the platform
• Excellent written and verbal communication skills
• Strong attention to detail and ability to work independently
• Ability to multitask and prioritize in a fast-paced environment
• Desire to grow and potentially work on multiple portfolios simultaneously
• Willingness to travel to conduct property inspections and meet with customers and prospects
• Proficient computer skills including Microsoft Office applications

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.

ESSENTIAL FUNCTIONS

• Serve as a trusted advisor to the assigned Commercial Real Estate market(s) to which you are assigned
• Use professional experience and expertise to prudently evaluate creditworthiness of borrowers and assess collateral/credit adequacy at all stages of a loan from initial review and consideration to approval to on-going administration
• Provide constructive and proactive feedback and recommendations to the supported Commercial Real Estate teams to improve transaction structuring, analysis, and administration to mitigate risk and improve credit quality
• Develop and maintain strong knowledge of the assigned loan portfolios and conduct periodic portfolio reviews to identify potential risks, ensure accurate risk rating, and ensure compliance with loan covenants. Immediately elevate concerns and deteriorating credits to the assigned Senior Credit Approval Officer
• Become an expert on applicable bank policies and procedures, proactively recommending suitable enhancements and revisions

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 la