Senior Lending Authority & Credit Risk Specialist

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

Job summary

U.S. Bank in Tempe, AZ seeks a Market Credit Administrator - Lending Authority Management Professional to strengthen lending authority bench strength and ensure risk-based readiness across credit practices.

This First Line of Defense role partners closely with Credit Risk Management to ensure authority is earned, maintained, and consistently applied according to bank risk appetite. This position also provides operational flexibility by supporting approval coverage during volume surges and

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

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

Credit analysis

Risk assessment

Credit policy knowledge

Stakeholder collaboration

Education

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

Tools

Excel

PowerPoint

MS Office

Job description

U.S. Bank in Tempe, AZ seeks a Market Credit Administrator - Lending Authority Management Professional to strengthen lending authority bench strength and ensure risk-based readiness across credit practices.

This First Line of Defense role partners closely with Credit Risk Management to ensure authority is earned, maintained, and consistently applied according to bank risk appetite. This position also provides operational flexibility by supporting approval coverage during volume surges and