Credit Transformation Specialist

U.S. Bank•Minneapolis, MN

5d•Onsite

About The Position

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 Administration – Credit Transformation Specialist We are seeking a Credit Transformation Specialist within the Credit Transformation team, reporting to the Head of Credit Transformation Development and Technology Lead. We seek an experienced analyst to help identify, design and implement creative technical solutions that enable process transformation and innovation across Credit Risk. About the Credit Risk Administration (CRA) Team We are a highly dynamic and talented team which delivers on our mission through four pillars: Customer, Process, Talent, and Data. Vision | We create the future of credit risk management through data, analytics, and risk process innovation for our customers. Mission | We deliver data-driven information solutions to protect our stakeholders and inform the most significant financial decisions in the bank. Values | In addition to U.S. Bank core values, we prioritize collaboration, integrity, simplicity, and continuous learning. About the Role In this position, you will be a critical contributor, helping lead technical development and process redesign projects that enable CRA to achieve its operational, strategic, and transformational priorities. As such, you must bring a passion for customer service, advocate for change on behalf of customers, and operate comfortably in complex environments. You will work frequently with highly quantitative subjects and colleagues with a wide range of technical capabilities. In this position, you will become an acknowledged analytics expert and project leader by developing actionable recommendations, redesigning credit risk processes using creative technical solutions, and by leading colleagues through complex process changes. You will operate comfortably amidst uncertainty and evolving business conditions, by translating stakeholder requirements and feedback into efficient technical solutions. You will work with large data volumes while executing complex analyses, interpreting quantitative results, and incorporate qualitative subject expertise into risk governance processes. By maintaining trusted relationships across project stakeholders, your projects will eliminate manual workload or improve credit analysis and risk governance. Designing efficient workflows using software and tools (for example using, SQL, R, Python, Excel, Power Apps, Power Automate, Power Automate Desktop, Power BI, and SAS) you will gain broad exposure across credit risk management deploying new solutions while learning about the bank’s products and businesses.

Requirements

Bachelor's degree, or equivalent work experience
Typically more than six years of applicable experience

Nice To Haves

6-8 years or more years at a financial institution working in one or combination of data management, reporting, process improvement, or data analytics
Bachelor’s degree in an appropriate field (Computer Science, Engineering, Mathematics, Economics, Statistics, Business) or equivalent work experience
5+ years of hands-on experience with programming languages such as Python, SQL and SAS.
Familiarity with version control systems and collaborative development workflows like GitLab, GitHub.
Expertise visual analytics tools such as Power BI, Power Apps, Power Automate (desktop and Cloud) and Dataflow.
Working knowledge of SOX controls and quality assurance frameworks in financial services.
Strong project management skills, with a demonstrated focus on execution, accountability and achieving project objectives and communicating regularly with project stakeholders
Self-starter with initiative to learn new tasks quickly and proactively anticipates customer needs
Excellent written and verbal communication skills for documenting technical processes and engaging with cross-functional teams.
Proven ability to identify issues or gaps in credit processes and develop innovative solutions
General knowledge of finance, banking, and accounting principles relevant to credit risk.
Proven ability to work independently and collaboratively across multidisciplinary teams.

Responsibilities

Evaluating current operational processes for optimization, automation, or improved change management potential, balancing innovation with process risk
Drove transformation projects by clearly defining project scope objectives, project plans and timelines, technical requirements, and deliverables.
Develop technical solutions using a combination of coding skills (e.g., R, SQL, Python, SAS, etc.,), Microsoft Power Platform (e.g., Power BI, Power Automate, Power Apps) and other internally available tools, to eliminate manual time and effort from routine governance processes.
Teach and train colleagues to use new tools and processes within their roles.
Tracking initiative status and communicating successes to senior management
Identify skill gaps with customers and identify opportunities to develop new training programs

Benefits

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

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