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, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. 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. Try new things, learn new skills and discover what you excel at—all from Day One.
As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.
We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation.
We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.
Job Description
The Corporate and Institutional Credit Manager role is part of the second line of defence Risk Management & Compliance function and reports to the Senior Credit Portfolio Manager. The role is responsible for risk management of U.S. Bank Europe’s corporate and institutional portfolios, ensuring alignment with risk appetite, strategy, and industry requirements. The role holder will collaborate cross-functionally with risk and business line stakeholders to support underwriting of deal opportunities, implement effective credit risk strategies and maintain portfolio oversight.
Key Accountabilities
Maintain dedicated oversight of the corporate and institutional portfolio, including exercising delegated credit approval authority.
Complete in-depth due diligence reviews of underwriting proposals and creditworthiness for corporate credit products, including recommendations to senior risk leaders.
Maintain continuous communication with business line representatives to understand loan characteristics, transaction structures and onboarding requirements.
Present credit proposals and transaction rationales at committee level.
Maintain post-boarding risk oversight of the portfolio to monitor adherence with risk appetite, credit criteria, policy compliance, sector concentration, loss provisioning, and problem credit management.
Participate in new deals and pipeline reviews, including prospective meetings with internal and external stakeholders.
Review and manage change requests to the credit terms of existing corporate products including but not limited to redemptions, extensions or early terminations.
Work with other members of the Credit Risk Management team to analyse credit risk metrics and indicators, providing insightful reporting and recommendations to senior management to support informed decision-making.
Leverage market intelligence and CRM MI to monitor economic, geopolitical, and industry trends that impact risk in the portfolio and validate adequacy of credit strategies.
Skills & Experience Required
Bachelor’s degree in finance, Economics, Business, or a related field.
Extensive experience (8+ years) in credit risk management within a financial institution, preferably covering lending products in corporate portfolios.
Excellent written, presentation, and communication skills with the ability to articulate key messages in a concise manner.
Analytical and problem-solving skills to interpret data/trends and draw actionable insights.
Expert understanding of credit risk, methodologies, and regulatory requirements (e.g. Basel, CRR, EBA).
Familiarity with financial analysis, or a professional certification such as FRM, CFA, ACA/ACCA or similar are desirable.
Additional Information
The role offers a hybrid / flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
This position is not eligible for visa sponsorship.
Accessibility
We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.
Total Rewards
U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.
We offer a market-competitive compensation package that includes:
Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness.
Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
Employee recognition programs that celebrate achievements and milestones for all.
We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.
We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon.
Closing Date
Posting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.
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