File Review Analyst

US Bank; Tempe (AZ); On-site; USD 85,000 - 110,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and retirement plan

Paid vacation and holidays

Parental leave

Disability coverage

Job summary

U.S. Bank in Tempe, AZ is seeking a Senior Reviewer to conduct lending and deposit activity reviews, ensuring policy compliance and identifying opportunities to strengthen controls.

You will work as a liaison between the business lines and the second line of defense, documenting findings and proposing improvements. The role requires advanced analytical skills, knowledge of loan origination and underwriting, and familiarity with regulatory trends in financial services.

Qualifications

• Bachelor’s degree or equivalent work experience.
• 5+ years of applicable experience in risk, audit, or compliance.
• Strong understanding of lending, deposits, and FaRB-related laws.

Responsibilities

• Conduct transactional reviews of lending/deposit activity to ensure policy adherence.
• Analyze review results against FaRB laws and regulations to identify risk factors.
• Prepare well-documented work papers and concise analysis reports.
• Communicate review findings with business partners and identify process gaps.
• Identify improvements to review procedures and control environments.
• Stay informed on FaRB laws, regulatory guidance, and industry trends.

Skills

Risk assessment

Loan origination knowledge

Regulatory compliance

Analytical skills

Communication skills

Education

Bachelor's degree or equivalent work experience

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

Perform reviews of lending and deposit activity to ensure bank policy is consistently followed and applied to all bank customers. Identify gaps and propose solutions that promote an effective risk management framework. Identify and/or escalation risks as appropriate. Serve as a functional liaison between the Line of Business and the Second Line of Defense. Participate in reviews and/or activities that ensure compliance with applicable Fair & Responsible Banking laws and regulations.

Primary Responsibilities:

• Conduct transactional reviews or critically challenge business line decisions (primarily underwriting and pricing) related to mortgage, auto finance, credit cards and other lending or deposit operations.
• Analyze review results in relationship to fair and responsible banking laws and regulations and identify factors that may contribute to elevated FaRB risk profile.
• Prepare well-documented work papers to support conclusions.
• Summarize results of the review and prepare analysis reports that succinctly identify the individual and aggregate risks identified during the review.
• Participate in the communication of review analysis with business line partners, including procedure and process gap analyses.
• Identify process improvements to enhance review procedures.
• Execute review protocols consistent with prudent statistical practices, review parameters and regulatory expectations.
• Ability to leverage statistical outcomes to focus on file review data analysis
• Keep abreast of business policies and FaRB related laws and regulations, guidance and other legal and regulatory developments which directly affect business practices to ensure review assessments are appropriately analyzing and identifying risk.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically 5+ years of applicable experience

Preferred Skills/Experience

• Advanced knowledge of loan origination, loan underwriting and loan pricing as applicable to laws, regulations, financial services, and regulatory trends that impact their assigned line of business
• Advanced understanding of financial services operations, products/services, systems, and associated risks/controls
• Advanced knowledge of Risk/Compliance/Audit competencies
• Strong analytical skills and project management acumen
• Excellent presentation, interpersonal, written and verbal communication skills
• Proficient computer navigation skills using a variety of software packages, including Microsoft Office applications and word processing, spreadsheets, databases, and presentations
• Applicable professional certifications preferred

*This role requires working from a U.S. Bank location three (3) or more days per week.

**We are hiring in the following locations:

• Tempe, AZ
• Minneapolis, MN
• Charlotte, NC
• Cincinnati, OH

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 abo