At U.S. Bank, we're passionate about helping customers and the communities where we live and work. The fifth-largest bank in the United States, we’re one of the country's most respected, innovative and successful financial institutions. U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Job Description U.S. Bank's Credit Risk Management area is seeking a Credit Risk Analyst to work on their Dealer Services (auto loan, auto lease, and recreational vehicle and marine craft) portfolios. Credit Risk Management has enterprise wide responsibility for monitoring, managing, and controlling the level of Credit Risk at U.S. Bank. This is accomplished via ongoing partnership with Business Line peers, internal and external examiners, and other risk partners within the overarching Risk, Compliance, and Audit umbrella. The overall objective of this role is to actively monitor and address existing and emerging Credit Risk and ensure timely and accurate reporting of that risk. This individual will be responsible for various activities, including: Supporting both existing and new analytical projects - Create/maintain analytical processes used in ongoing monitoring of portfolio performance - Identify and investigate potential areas of concern - Ensure data structure provides necessary information for detailed, accurate reporting Partnering with Business Line counterparts on potential strategy changes - Form positive working relationship with Line of Business - Evaluate strategy and/or Credit Policy change proposals for reasonableness and consistency with internal risk appetite - Develop strategy and/or Credit Policy change proposals following identification of areas of opportunity or increased levels of risk Participate in ongoing supervisory activities - Participate in both internal and external regulatory exams - Work to address and close any identified regulatory issues Basic Qualifications - Bachelor's degree, or equivalent work experience - Seven to ten years of applicable experience Preferred Skills/Experience - Working knowledge of regulations, financial services, and regulatory trends that impact their assigned line of business - Strong technical skills, including experience with SAS, SQL, or other database querying language - Considerable knowledge of Risk/Compliance/Audit competencies - Strong process facilitation, project management, and analytical skills - Excellent presentation, interpersonal, written and verbal communication skills - Ability to maintain forward momentum on multiple projects at once 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: Take care of yourself and your family with U.S. Bank employee benefits. We know that healthy employees are happy employees, and we believe that work/life balance should be easy to achieve. That's why we share the cost of benefits and offer a variety of programs, resources and support you need to bring your full self to work and stay present and committed to the people who matter most - your family. Learn all about U.S. Bank employee benefits, including tuition reimbursement, retirement plans and more, by visiting careers.usbank.com. EEO is the Law Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal EEO is the Law poster. 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 about the E-Verify program. Due to legal requirements, U.S. Bank requires that the successful candidate hired for some positions be fully-vaccinated for COVID-19, absent being granted an accommodation due to a medical condition, pregnancy, or sincerely held religious belief or other legally required exemption. For these positions, as part of the conditional offer of employment, the successful candidate will be asked to provide proof of vaccination or approval for an accommodation or exemption upon hire.