Senior Lending Authority & Credit Risk Lead

U.S. Bank; Atlanta (GA); On-site; USD 120,000 - 141,000; Full time

Benefits offered by this job

Healthcare (medical, dental, vision)

401(k) and employer-funded retirement

Paid vacation

Job summary

U.S. Bank is seeking a Market Credit Administrator – Lending Authority Management to strengthen lending authority bench strength through standardized assessments and risk-based readiness reviews. This role partners with Credit Risk Management and Quality Management to ensure authority is earned, maintained, and aligned with risk appetite.

The position also supports coverage during volume surges and coaches developing underwriters through increasing complexity and authority progression.

Qualifications

• Bachelor’s degree or equivalent work experience in a related field.
• 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.

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.

Skills

Microsoft Office

Credit risk management

Education

Bachelor’s degree in Business, Finance, Accounting, or related field

Tools

Excel

PowerPoint

Job description

U.S. Bank is seeking a Market Credit Administrator – Lending Authority Management to strengthen lending authority bench strength through standardized assessments and risk-based readiness reviews. This role partners with Credit Risk Management and Quality Management to ensure authority is earned, maintained, and aligned with risk appetite.

The position also supports coverage during volume surges and coaches developing underwriters through increasing complexity and authority progression.