Finance Jobs 2026 (Now Hiring) – Smart Auto Apply

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 Strategy is a dynamic team within Credit Risk Management focused on optimizing the identification, quantification and mitigation of credit risk. The team oversees critical second line of defense risk management programs including USB's risk limit framework, risk rating, policy exceptions, risk ID, credit concentration, stress testing, collateral audit, credit policy and procedures, portfolio monitoring, strategic product growth and/or enhancements, regulatory review and compliance, and rapid response to emerging risk. Credit Strategy culture revolves around innovation, execution and collaboration across all 3 lines of defense and regulatory bodies. Talent seeking to join the Strategy team should possess an inquisitive and growth mindset, track record of taking initiative, and agility to problem solve in a team setting.

About the Role

In this role, you will serve as a thought leader and implementation coordinator to ensure we effectively meet or exceed the goals for key credit risk management strategy initiatives and programs.

Industry Credit Risk Management - IF Officer is responsible for portfolio management of the bank-wide Impact Finance (IF - formerly Community Development Corp) portfolio across U.S. Bank. IF is part of the Commercial Real Estate (CRE) Division and having a working knowledge of the CRE industry is preferred. The functions include emerging risk identification, managing risk appetite through risk limits and credit policies, portfolio construction and asset allocation strategies, as well as management of concentration, correlation, and specialized risks associated with the Impact Finance portfolio. Additional duties would include developing pro-active and forward-looking viewpoints regarding the industry / portfolio and creating solutions and recommendations for managing risk and influencing positive change. This includes directing, monitoring, and coordinating risk management projects for assigned industries / portfolios. This role provides independent risk management and governance while working closely with the business line, credit approval and various other key constituents to build out a comprehensive and proactive approach to portfolio management that promotes a strong risk management culture, aligned with U.S. Bank's risk appetite.

You will build and maintain relationships with peers in the Credit Strategy as well as the broader Credit Risk Management (CRM) organization and line of business to achieve desired project goals or program outcomes. This is an influential individual contributor role that requires managing projects simultaneously, maintaining strong procedural documentation, and adjusting priorities as the business and regulatory environment evolves.

Key Activities

• Partnering with Credit Risk Management and U.S. Bank business units to identify and manage emerging risks associated with the respective portfolio. This includes developing relevant metrics and segmentation to assess exposure at risk and credit policies to mitigate short-term and long-term risks, with demonstrated value creation where feasible.
• Assisting in developing requirements for technology projects to gather relevant data and design ongoing or ad-hoc analyses as needed.
• Working with the centralized reporting team to develop and maintain relevant reporting, risk limits and analysis, and performing scenario analysis to understand the bank's exposure to potential risks and opportunities.
• Preparing management reports and presentations to communicate current state and progress on credit-focused initiatives.

Core Competencies:

• Hands-on individual who excels at collaborating across functional areas to develop, drive and maintain the credit risk strategy and ensure we meet core business objectives
• Self-starter, ability to quickly assimilate and analyze large amounts of information across a variety of topics
• Strong tenacity and resilient under pressure and self-motivated in a fast paced and demanding environment
• Highly engaged, strong attention to detail, and outcome oriented
• Strong analytical problem solving, and the person should have a high level of integrity to deal with highly confidential data
• Presents persuasively and authoritatively to peers and senior leadership, while facilitating collaborative conversation
• Consistently delivering work that meets or exceeds commitments

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of applicable experience

Preferred Skills/Experience

• Bachelor's degree in Business, Finance, Economics, Statistics or similar
• Understanding of basic credit risk management concepts, along with 1st line and/or 2nd line experience related to underwriting and/or credit risk portfolio management preferred
• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business
• Broad understanding of Commercial Real Estate and various Tax Credit programs, credit risk processes and governance programs, and credit data at U.S. Bank, or another mid-sized or large banking institution
• Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls
• Thorough knowledge of Risk/Compliance/Audit competencies
• Strong analytical, process facilitation and project management skills
• Interest and awareness of external environment and economic events and their potential impacts to credit risk
• Effective presentation, interpersonal, written and verbal communication skills
• Effective relationship building and negotiation skills
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications, Co-Pilot, and word processing, spreadsheets, databases, and presentations
• Basic understanding of nCino and/or Gateway
• Applicable professional certifications

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:

• 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 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: $119,765.00 - $140,900.00

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.