Credit Risk Analyst

Credit Risk Analyst U.S. Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, rec‑vehicle and marine craft) portfolios. Credit Risk Management has enterprise‑wide responsibility for monitoring, managing, and controlling the level of Credit Risk at U.S. Bank. This is accomplished via ongoing partnership with Business Line peers, internal and external examiners, and other risk partners within the overarching Risk, Compliance, and Audit umbrella. Responsibilities Second Line of Defense – Set Standards and Challenges Governance, Risk, & Oversight Functions Accountabilities Establish enterprise governance, risk, and control strategies and practices. Provide oversight and independent challenge to the first line through review, inquiry, and discussion. Develop and communicate governance, risk, and control policies. Provide training, tools, and advice to support the first line of defense in carrying out its accountabilities. Monitor and report on compliance with risk appetite and policies. Essential Functions Research, evaluate, develop, and communicate credit policy within the U.S. Bank risk appetite and business objectives. Provide oversight and independent challenge to the business line through review, inquiry, and discussion. Exercise independent judgement on the most complex portfolio issues; provide high‑quality recommendations regarding Dealer Services portfolios. Provide training, tools, and advice to support the business line in its accountabilities. Monitor and report on compliance with risk appetite and policies. Analyze the portfolio for emerging and key risk trends; identify emerging risks based on portfolio knowledge, industry, and macroeconomic environment. Manage multiple projects and analyses and ensure deadlines are met; ensure data structure provides necessary information for detailed, accurate reporting and analytics. Basic Qualifications Bachelor's degree or equivalent work experience; typically more than eight years of applicable experience. Preferred Skills & Experience Four or more years of Retail (Credit Cards, Consumer Lines of Credit, Auto Loans, Deposits) credit risk management experience. Considerable knowledge of credit risk, financial and statistical analysis. Considerable knowledge of credit administration, policies and procedures, and regulatory compliance. Bachelor's or Master’s degree in business, accounting, computer science, economics, finance or statistics, or equivalent work experience. Strong analytical, written and verbal communication skills. Proficient in programming and data manipulation using SQL, SAS, Python, or R. Effective presentation, organizational, and prioritization skills. Proficient using a variety of software packages including Microsoft Word, Excel, PowerPoint, etc. Effective technical report writing skills. Ability to work independently with minimal guidance from manager. Location Expectations This role requires working from a U.S. Bank location three (3) or more days per week. Visa Sponsorship NOTE: This position is not eligible for current or future visa sponsorship. 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 Equal Opportunity Employer 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. Salary Range Pay Range: $119,765.00 - $140,900.00 Compliance 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. #J-18808-Ljbffr