Credit Risk Review Officer

US Bank; Charlotte (NC); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

Life insurance

Disability insurance

Parental leave

401(k) plan

Paid vacation

Paid holidays

Adoption assistance

Sick leave

Job summary

U.S. Bank is seeking a Credit Risk Review Officer to independently evaluate and monitor risk in Wholesale Banking. The role involves analyzing portfolio quality, reviewing credits, and escalating risks to minimize losses.

Collaboration with senior leadership across lines is essential. Ideal candidates bring strong credit analysis, underwriting evaluation, and communication skills, with experience in risk, compliance, and audits.

Qualifications

• Bachelor's degree or equivalent work experience.
• Typically more than six years of applicable experience.
• Credit analysis skills to evaluate borrower financial condition, repayment capacity, risk rating, key credit drivers, loan structure, collateral and exceptions.
• Ability to evaluate underwriting and/or portfolio management processes.
• Draws accurate conclusions efficiently and can make decisions without full information.
• Investigate, identify, and articulate root causes of issues.
• Adept communicator with clear articulation and presentation skills.
• Clear and concise writing style.
• Strong time management and ability to meet deadlines.
• Self-starter, self-directed and proactive.
• Ability to work independently with limited guidance.
• Knowledge of laws, regulations, financial services and regulatory trends.
• Understanding of business line operations, products/services, risks/controls.
• Risk/Compliance/Audit competencies knowledge.
• Relationship-building and negotiation skills.
• Proficient with Microsoft Office and word processing.
• Applicable professional certifications

Responsibilities

• Evaluate and monitor credit risk and management processes across portfolios.
• Collaborate with senior leadership and various business lines; review portfolios.
• Identify gaps and inform solutions to minimize losses due to process or control failures.
• Escalate risks and communicate findings to stakeholders.
• Assess risk management quality and share best practices across teams.

Skills

Credit analysis

Underwriting review

Root cause analysis

Communication skills

Writing skills

Time management

Self-starter

Independent work

Regulatory knowledge

Business operations

Risk/Compliance/Audit competencies

Relationship building

Computer skills

Certifications

Education

Bachelor's degree

Tools

Microsoft Office

Excel

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

Credit Risk Review Officers independently evaluate and monitor risk in Wholesale Banking. CRROs independently evaluate and monitor credit risk and credit management processes within the bank to minimize losses. This is accomplished through the analysis of portfolio credit quality and portfolio reporting, independent review of individual credits, and the continual monitoring and periodic evaluation of the risk management processes across business lines. CRROs are responsible for critically evaluating the quality of risk management, identifying and challenging weak or ineffective practices, and sharing best practices to effect change.

Officers will collaborate with senior leadership from Credit Risk Management (approvers), Business Lines, Corporate Audit Services and have exposure to a diverse group of portfolios. Portfolios reviewed include; Asset Based Lending, Private Credit and Acquisition Finance, Energy, Healthcare, Non-Profits, Special Assets and many more. A successful candidate will desire variety and have the ability to apply skills and past experience to different portfolios and processes. Candidates identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems or human errors and identifies, responds and/or escalates risks as appropriate.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically more than six years of applicable experience

Preferred Skills/Experience

• Credit analysis skills to accurately evaluate borrower financial condition, repayment capacity, risk rating, key credit drivers, loan structure, collateral and exceptions.
• Ability to accurately evaluate a business unit's underwriting and/or portfolio management processes.
• Draws accurate conclusions efficiently and can make decisions without the benefit of full information.
• Ability to investigate, identify, and articulate root causes of issues.
• Adept communicator. Listens without interrupting the speaker. Clearly articulates questions and conclusions. Is capable and confident when talking one‑on‑one and has adequate presentation skills.
• Clear and concise writing style.
• Strong time management skills, including the ability to prioritize assigned tasks, project achievable delivery dates, meet deadlines or escal
• Is a self-starter, is self‑directed and proactively seeks out work.
• Ability to work independently but may need limited guidance from a manager, project manager, or senior team member, as appropriate.
• Considerable knowledge of applicable laws, regulations, financial services, and regulatory trends that impact their assigned line of business.
• Considerable understanding of the business line's operations, products/services, systems, and associated risks/controls.
• Thorough knowledge of Risk/Compliance/Audit competencies.
• Effective relationship building and negotiation skills.
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spread
• Applicable professional certifications

Location expectations

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, di