Credit Approval Officer

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** U.S. Bank has a great opportunity for an experienced Credit Approval Officer to support our Business Banking organization. This individual will be part of a team supporting the Business Banking California and West Regions and Healthcare for Commercial (C&I), Commercial Real Estate (D&I) and Practice Finance lending. The Credit Approval Officer will approve loans in excess of Business Banking Credit Services lending authority with a focus on larger and more complex Business Banking portfolios and ensures conformity with bank policies. The individual will work with underwriting and sales teams on transaction and covenant structures. The incumbent will be integral to ensure that ongoing administration and review is adequate to maintain the loan portfolios' quality and profitability. This person will be accountable for an effective partnership between the Line of Business and the Lines of Defense. Basic Qualifications - Bachelor's or advanced degree, or equivalent work experience - Typically more than 12 years of applicable experience Preferred Skills/Experience - Significant experience in underwriting, approving, and oversight of Commercial (C&I) and Commercial Real Estate (D&I) and Healthcare Practice Finance credit requests and portfolios. - Experience underwriting, approving, and oversight of SBA credit requests and portfolio. - Expert knowledge of Risk/Compliance/Audit competencies. - Ability to manage job scope and complexity of assigned business at the departmental and/or division level. - Strong leadership and management skills of processes, projects, and people. - Ability to collaborate effectively with business units to innovate and strategically grow portfolios while appropriately managing risk. - Excellent written and verbal communication skills. - Strong analytical, problem-solving and negotiation skills. - Well-developed customer service/relations skills. - Ability to guide and influence underwriting and sales teams to align with the bank’s risk culture and appetite. - Ability to handle stressful situations while maintaining trusting relationships with the business line and other stakeholders. - Strong understanding of the business line’s operations, products/services, systems, and associated risks/controls. - Considerable knowledge of applicable credit policies, laws/regulations, financial services, and regulatory trends that impact business banking/lending. 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](https://careers.usbank.com/global/en/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 assistanc…