Easter Seals Jobs

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

Credit Risk Review Senior Managers oversee the completion of credit risk reviews and continuous monitoring completed by CRR personnel for an assigned business line. Senior Managers provide leadership and management to CRR review team personnel. Senior Managers support the CRR Director and the fulfillment of CRR’s mission, strategic goals, and continuous improvement. Individuals oversee Managers, Team Leaders, and Credit Risk Review Officers (CRROs) to ensure independent evaluation and monitoring of credit risk and credit risk management processes used by the lines of business, and are critically evaluating the quality of risk management, identifying and challenging weak or ineffective practices, and sharing best practices to effect change. This is accomplished through CRR’s analysis of portfolio credit quality and portfolio reporting, independent review of individual credits, analysis of portfolio MIS and strategy validation, and the continual monitoring and periodic evaluation of the risk management processes used by the lines of business. Senior Managers engage with key business line and credit managers to identify emerging portfolio, industry and credit process risks, and share best practices across the business line.

Responsibilities:

• Selects, manages, coaches, and develops CRR Team Leaders and CRROs to meet divisional goals and employee career goals. May also manage staff directly, as needed.

• May review individual credits when risk rating accuracy or timeliness, approval decisions, or approval authority is in question.

• Oversees team progress toward completion of the review schedule. Holds Team Leaders and CRROs accountable for delivering accurate and timely account testing and review conclusions.

• Reviews, challenges and approves project conclusions, issue root causes and risk impact, as well as plans and reports. Identifies and promotes best practices for the assigned Business Line(s).

• Evaluates appropriateness of interpretations and evaluates materiality and qualitative aspects.

• Ensures conclusions are fair and balanced, and supported by thorough and well-documented review and analysis. Considers stakeholder perspectives and feedback when evaluating conclusion decisions.

• Monitors overall portfolio quality, industry trends and key risk indicators or metrics applicable to the business line.

• Reviews and approves continuous monitoring completed by CRR personnel.

• Continuously monitors and identifies actual or potential issues/themes for assigned Business Line(s).

• Maintains an internal and external network to assist in the timely identification of actual or potential risk issues, changes in the wholesale lending environment, new developments, and peer benchmarking.

• Participates in business line meetings.

• Evaluates CRR’s internal processes and procedures for effectiveness, enhancement, and obsolescence. Provides credible challenge, feedback, and recommendations to the CRR Director when new processes or changes to existing processes are warranted.

• Coaches and develops CRR Team Leaders to meet CRR objectives and employee career goals. Identify skill and expertise development areas for CRR personnel, as well as resources to provide coaching and training. Support cross-training and sharing of knowledge resources across CRR and IRR.

• Collaborates with CRR management to determine priorities, establish timelines and key milestones, and assess personnel capacity and dependencies. Fosters a positive and collaborative team environment, motivates all personnel, and challenges individuals to use critical thinking.

• Develops a risk-based review schedule.

• Ensures all internal and external audits and exams reflect an effective and continuously improving credit risk review process, and CRR maintains the highest standing or designation from CAS and OCC.

• Interacts with internal audit and regulatory personnel.

• Communicates strategic initiatives and process changes, as well as fosters an environment focused on agility, innovation, and continuous improvement.

• Participates in special projects, as appropriate, including engagement with other CRR or IRR teams.

• Holds regular team meetings, recruits and hires staff, completes performance reviews of direct reports, contributes to performance reviews for staff within their organization. The individual will clearly communicate expectations, priorities, and support to team personnel, as well as resolve conflicts, and performs day to day management functions of the team.

Basic Qualifications

• Bachelor's or advanced degree, or equivalent work experience

• Typically more than 15 years of applicable experience

Preferred Skills/Experience

• Exceptional understanding of consumer and payments lending policies, account management practices, and problem account management techniques, to critically evaluate the work of a business unit/product/process.

• Strategic manager that directs the completion of multiple tasks, projects, and deadlines simultaneously. Manages personnel effectively to ensure work is prioritized and completed on-time or ahead of deadlines.

• Advanced subject matter knowledge that enables credible challenge of review scope and conclusions.

• Knows, understands, accurately uses, and stays current on bank loan policies, industry practices, and regulatory requirements/guidance.

• Knows, understands, accurately uses, and stays current on CRR practices and challenges existing processes, when appropriate, to effect positive change.

• Expert level knowledge of credit review processes and ability to evaluate thoroughness of plan, test results, and report conclusions.

• Establishes and sustains a high level of trust and credibility with the assigned business line, credit partners, regulatory agencies, and within CRR.

• Ability to investigate, identify, and articulate root causes of issues and credit risk impact.

• Exceptional decision making and problem solving skills; consistently draws accurate conclusions and can make decisions in complicated situations, unique conditions or without the benefit of full information. Understands when to escalate issues to the CRR Director.

• Strong leadership ability, including ability to manage managers and a diverse group of individuals with differing backgrounds and skillsets. Ability to assess individual skills and expertise, and willingness to delegate work to optimize individual strengths and develop team members.

• Proactively influences behavior with credible, value-added, and risk-based challenge or guidance to ensure a strong credit culture.

• Strong negotiation/persuasion skills, with the ability to positively influence others over which the incumbent has no direct authority.

• Well-developed people skills: The ability to deal with and react to highly sensitive issues in a confidential and professional manner.

• Excellent communicator. Clearly and concisely articulates questions and conclusions. Translates complex concepts into common sense actionable terms. Superior presentation skills.

• Clear and concise writing style, and the ability to critique and develop the professional writing skills of team members.

• Exceptional time management skills, including the ability to independently prioritize assigned tasks, project achievable delivery dates, oversee team projects, manage long-term projects or initiatives, and ensure direct and indirect assignments meet or exceed deadlines.

• Effectively collaborates with other team members, within and across CRR and IRR teams. Leads cross-functional CRR and IRR teams, as needed.

• Requires minimal guidance and instruction from the CRR Director, but appropriately solicits guidance, when needed.

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.

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 (some may vary based on role, location or hours):

• 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 assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

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. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) EEO 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 (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $165,325.00 - $194,500.00 - $213,950.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.