Jobs in North Carolina 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

Senior Credit Risk Approver with approval responsibilities across U.S. Bank's Fixed Income & Capital Markets businesses and related growth initiatives within Global Capital Markets and Wealth, Corporate, Commercial and Institutional Banking (WCIB). The position will be responsible for approving credit risk and market distribution risk related to U.S. Bank's activities in capital markets underwriting, equity capital markets, debt capital markets, loan capital markets, municipal products, structured credit, derivatives, and other markets-focused financing solutions, as well as for the related sales and trading platforms.

In addition to overall credit approval responsibilities for Fixed Income & Capital Markets and WCIB growth initiatives, this position will work collaboratively with the business lines to both maintain and ensure compliance with related policies and procedures, monitor and report on risk across the portfolios (including timely determination of risk ratings and ratings migration), ensure compliance with regulatory requirements, and identify trends, potential risks and issues and integrate and support new product introductions and market expansions. The position will also work closely with all the business lines across WCIB and the Institutional Client Group (ICG) to both serve as a subject matter expert on and provide guidance and training related to the Fixed Income & Capital Markets businesses.

Basic Qualifications

• Bachelor's or advanced degree in economics, finance or accounting, or equivalent work experience
• 15 or more years of experience in a credit risk management environment, including experience managing credit and distribution risk within Fixed Income and Global Capital Markets businesses

Preferred Skills/Experience

• Demonstrated experience in credit risk management and credit approval
• Demonstrated experience and understanding of capital markets transactions
• Demonstrated experience in risk analysis, structuring and portfolio management skills for assigned businesses
• Ability to collaborate effectively with business units to increase revenue and grow portfolios while appropriately managing risk
• Excellent interpersonal, presentation, written and verbal communication skills with a proven track record of establishing and maintaining effective relationships with business leaders
• Considerable understanding of applicable internal policies, laws, regulations, financial services, and regulatory trends that impact the banking in general, and specifically the Fixed Income & Capital Markets businesses
• Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls
• Thorough knowledge of Risk/Compliance/Audit competencies
• Strong leadership and management skills of processes, projects and people
• Effective skills at managing stressful situations
• Strong analytical, problem-solving and negotiation skills
• Proficient computer skills, especially Microsoft Office applications

Location Requirements

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: $186,150.00 - $219,000.00

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.