2027 Portfolio and Relationship Management Development Program

U.S. Bank; Northern (KY); Hybrid; USD 67,000 - 78,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement

Paid vacation

Parental leave

Sick leave

Job summary

U.S. Bank is seeking motivated analysts for the Portfolio and Relationship Management Development Program within the Institutional Client Group.

You will receive structured credit training, work on live credit transactions, and support relationship management and portfolio review activities as part of a multi-year program. After one year, you’ll transition into Credit Analyst or Relationship Management Analyst roles, preparing client materials, analyzing disclosures, and monitoring risk in

Qualifications

• Currently pursuing a bachelor’s degree with an expected graduation date between December 2026 –June 2027
• Strong foundation in financial and accounting principles
• Available to start on July 12, 2027
• GPA of 3.0 or higher (preferred)
• Prior experience in banking, credit, financial analysis, or sales (preferred)
• Excellent problem-solving, analytical and communication skills

Responsibilities

• Prepare financial statement spreads, quarterly trend analyses, monitoring reports, and covenant tests
• Conduct research and reporting to identify sector trends, risks, and opportunities
• Analyze financial disclosures to support credit assessments and client evaluations
• Monitor client risk profiles and inform credit decisions and product delivery
• Support Portfolio Managers in preparing credit requests and sector reviews
• Maintain internal reporting tools and CRM systems
• Collaborate with cross-functional teams to deliver integrated client solutions
• Prepare client-facing materials including pitch books and memos

Skills

Financial analysis

Analytical thinking

Communication skills

Problem solving

Attention to detail

Multi-project management

Relationship building

Education

Bachelor's degree

Tools

Excel

PowerPoint

Bloomberg

Capital IQ

Salesforce

Job description

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

Institutional Client Group Overview The Institutional Client Group (ICG) serves a broad range of institutional clients—including asset managers, hedge funds, corporations, governments, and financial institutions—by delivering strategic financial solutions across capital markets, advisory, and transaction services. Analysts in this group play a critical role in supporting client coverage teams by analyzing financial data, identifying opportunities, and helping deliver tailored solutions across a variety of industries and geographies.

Portfolio and Relationship Management Development Program

The Portfolio and Relationship Management Development Program is designed to develop foundational skills within U.S. Bank’s Institutional Credit Group (ICG) or Asset-Based Finance (ABF). Analysts will receive structured credit training and gain exposure to core credit processes, relationship management, and portfolio management throughout this multi-year program.

First Year Program Highlights

• Tailored Credit Training with a focused curriculum covering credit analysis, financial statement interpretation, and U.S. Bank’s lending philosophy.
• Contribute to live credit transactions and portfolio reviews that support client and business decisions.
• Learn how we build and maintain strong client partnerships, and how credit supports long-term relationship management.
• Work alongside experienced credit officers and relationship managers who will guide your growth.
• Gain firsthand exposure to the Relationship Management function by supporting client interactions, understanding strategic account planning, and observing how relationship managers drive client success.
• Participate in ongoing product training to gain a working knowledge of the broader Bank and key cross-sell functions connected to ICG.

Structured Career Path

After the first year in the Portfolio and Relationship Management Development Program, participants are strategically placed into either Credit Analyst or Relationship Management Analyst roles, allowing for focused development aligned with individual strengths and career aspirations.

Credit Analyst

Collaborates with Portfolio Managers to evaluate financial performance, assess credit risk, and deliver insights that guide sound lending decisions and strengthen the bank’s portfolio.

Relationship Management Analyst

Supports Relationship Managers and business development efforts by coordinating solutions and identifying product offerings for the bank’s clients.

Key Responsibilities

• Prepare financial statement spreads, quarterly trend analyses, monitoring reports, and covenant tests in accordance with bank standards and credit policy.
• Conduct research and reporting using internal and external platforms to identify sector trends, risks, and opportunities.
• Analyze financial disclosures to support credit assessments and client evaluations.
• Monitor client risk profiles and contribute to internal assessments that inform credit decisions and product delivery.
• Support Portfolio Managers in preparing and presenting credit requests and sector reviews.
• Maintain compliance databases tracking financial reporting requirements, credit agreement terms, and key credit metrics.
• Assist Relationship Managers and Coverage Bankers with industry research, marketing materials, and client outreach strategies.
• Prepare client-facing materials including pitch books, briefing memos, and financial analyses.
• Maintain internal reporting tools such as pipeline trackers and CRM systems (e.g., Salesforce).
• Collaborate with cross-functional teams to deliver integrated client solutions.
• Build technical and business acumen through structured training, mentorship, and peer engagement.

Who We’re Looking For

U.S. Bank is looking for motivated self-starters with demonstrated leadership, a strong work ethic, and intellectual curiosity—ready to make an impact in a fast-paced, collaborative environment.

Basic Qualifications

• Currently pursuing a bachelor’s degree with an expected graduation date between December 2026 –June 2027
• Strong foundation in financial and accounting principles
• Available to start on July 12, 2027

Preferred Qualifications

• GPA of 3.0 or higher
• Prior experience in banking, credit, financial analysis, or sales
• Strong problem-solving, analytical and communication skills
• Relationship building skills
• Attention to detail and the ability to produce accurate, high-quality work
• Ability to manage multiple projects under tight deadlines
• Proficiency in Excel and PowerPoint; familiarity with Bloomberg, Capital IQ, Salesforce

Working Model

This is a hybrid role, with analysts typically spending three days per week in-office and the remainder remotely. The program is full-time, approximately 40 hours per week.

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
• 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.

Pay Range

$66,640.00 - $78,400.00

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. U.S. Bank will consider qualified applicants with arrest or conviction records for employment.

Posting may be closed earlier due to high volume of applicants.

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.