Business Banking Credit Lending Authority Management Professional

Market Credit Administrator – Lending Authority Management (LAM) Professional

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.

The Market Credit Administrator – Lending Authority Management (LAM) Professional supports Business Banking Credit by strengthening lending authority bench strength through standardized assessment, targeted development, and risk‑based readiness reviews. This First Line of Defense role partners closely with Credit Risk Management and Quality Management to ensure lending authority is earned, maintained, and consistently applied in alignment with bank risk appetite.

This position also provides operational flexibility by supporting approval coverage during volume surges and coaching developing underwriters through increased complexity and authority progression.

Responsibilities:

• Supports Credit Risk Management's evaluation and recommendation of individual lending authorities
• Apply and reinforce a consistent, risk‑based lending authority rubric across credit roles
• Develop and execute targeted development plans to address skill gaps, recurring errors, and complex risk scenarios
• Maintain individual lending authority to provide joinder support and approval coverage during seasonal or situational volume peaks
• Serve as a centralized point of contact for lending authority initiatives and ongoing support
• Partner with Quality Management to identify trends, provide early testing feedback, and support remediation efforts
• Collaborate with credit leaders to support evolving underwriting structures and increasing single‑signer authority levels

Required Qualifications:

• Bachelor's degree in Business, Finance, Accounting, or a related field, or equivalent work experience
• Experience in commercial credit analysis, underwriting, or credit risk management
• Strong understanding of credit policy, lending authority frameworks, and risk assessment
• Must qualify for lending authority based on previous experience in approving credits
• Proficient in Microsoft Office tools (i.e. Excel, PowerPoint, etc.)
• Typically eight to 10 years of related experience

Preferred Qualifications:

• Experience supporting or exercising lending authority
• Background in credit quality, testing, training, or credit governance
• Strong analytical judgment, communication, and stakeholder partnership skills

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

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.

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