Wholesale Credit Risk Insights Analyst

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

We are seeking an experienced Wholesale Credit Reporting Analyst to join our Credit Risk Administration (CRA) team.

About the 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 role, you will help modernize and streamline key Wholesale Credit Risk reporting and analytics processes that support portfolio risk managers and business lines. You will work directly with internal partners to ensure reporting needs are met with accuracy, efficiency, and timeliness.

You will split your time between recurring reporting responsibilities and project-based work aimed at enhancing reporting capabilities. This includes building and maintaining Power BI dashboards, automating and simplifying recurring processes, and performing data research by aggregating and integrating information from multiple systems using SQL, Python, or similar query languages.

You will collaborate closely with risk managers, business lines, and data teams to create, improve, and maintain the bank's Wholesale Credit Reporting suite.

Key Activities

• Design, build, and automate end-to-end reporting processes using the Microsoft Power Platform (Power BI, Power Automate, Power Apps) to support enterprise credit risk management.

• Develop advanced dashboards and data storytelling experiences that translate complex data into actionable insights for senior leaders.

• Own weekly, monthly, and quarterly reporting cycles, ensuring consistent, timely, and high-accuracy delivery across all Wholesale loan portfolios.

• Serve as a trusted partner to credit portfolio risk managers, helping to define reporting needs and translate them into scalable solutions.

• Communicate trends, findings, and data-driven recommendations to stakeholders, influencing credit strategy, policy decisions, and portfolio performance.

Core Competencies

• Experience in Wholesale Credit concepts, risk metrics, and portfolio performance drivers.

• Strong process re-engineering mindset with the ability to optimize and automate workflows.

• Analytical thinking and curiosity-driven problem-solving.

Basic Qualifications

• Bachelor's degree, or equivalent work experience

• Typically more than six years of applicable experience

Preferred Skills

· Hands-on experience with Power BI, Power Automate, and Power Apps, including building complex, interactive dashboards.

· Proficiency in Power BI development, DAX, and BI modeling.

· 5+ years of experience using SQL, Python, or similar programming languages to transform and analyze large datasets.

· Strong understanding of Wholesale Credit lending risk frameworks, portfolio monitoring practices, and regulatory expectations.

· Demonstrated ability to convert data into compelling visualizations and narratives for senior audiences.

· Proven success collaborating with diverse cross-functional teams including risk, technology, and data management.

· Strong verbal and written communication skills, with the ability to simplify complexity and influence decision-makers.

Location Expectations

The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

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: $105,400.00 - $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.