Credit Risk Management Quality Assurance Professional

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

We are seeking an individual contributor to join our Credit Risk Quality Assurance (QA) testing team which is part of our Credit Risk Administration (CRA) team. The Credit Risk QA team assesses portfolio risks and adherence to Credit Policy and Procedures. QA coverage is risk-based and evolves to address changing business needs, regulatory priorities, and emerging risks.

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

The Credit Risk Management QA Professional will be part of an established, collaborative team responsible for executing independent reviews across a range of credit risk areas, including Highly Leveraged Transactions (HLT), Shared National Credits (SNC), Weak and Marginal Credit, and Enterprise Valuation Analysis. The role supports oversight activities designed to assess alignment with established risk management and regulatory requirements, with opportunities to contribute to additional coverage areas as priorities evolve.

Additional responsibilities include analyzing and validating complex underwriting and lending criteria across Wealth, Corporate, Commercial, Institutional, and Business Banking portfolios; assessing the effectiveness of credit risk frameworks and controls; conducting analyses to identify emerging trends and areas warranting further review; providing credible challenge and recommendations where appropriate; and identifying reporting enhancements and process improvement opportunities that strengthen risk management practices and support the team's strategic objectives.

Essential Functions

• Analyze and filter large data sets using defined criteria to establish testing populations and support sample selection.
• Document review activities and results within QA testing workpapers and reports, including the identification and escalation of items requiring secondary review.
• Partner with CRM Approval Officers and other stakeholders to resolve testing inquiries, validate observations, and facilitate corrective action efforts.
• Ensure adherence to established QA methodologies, findings guidance, and process requirements.
• Compile testing results and prepare related reporting for senior and executive management.
• Provide subject matter expertise and consultative support to CRM Credit Approval, Business Lines, and other stakeholders on credit risk and quality assurance matters.
• Participate in reciprocal cross-training by learning assigned responsibilities from others and providing training and support on own areas of expertise.
• Assess and evaluate risk, credit quality, and emerging concerns within assigned products, portfolios, or Business Lines.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience. 
• Seven to ten years of applicable experience.

Preferred Skills/Experience 

• Bachelor's degree or higher in Accounting, Finance, Economics, or a related field.
• Seven or more years of experience in commercial credit analysis, wholesale portfolio management, or related disciplines.
• Comprehensive knowledge of commercial lending, credit analysis, credit administration, and lending policies and procedures, including expertise in Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending.
• Advanced proficiency with Microsoft 365 applications (particularly Excel, Word, and PowerPoint) and credit-related systems, including underwriting, loan servicing, and credit approval platforms.
• Strong analytical, problem-solving, risk assessment, and decision-making skills.
• Demonstrated project management and planning capabilities, with the ability to manage multiple priorities and maintain attention to detail.
• Excellent verbal, written, and interpersonal communication skills, with the ability to build effective partnerships and influence outcomes across teams.
• Self-motivated and resourceful, with the ability to work independently, quickly adapt to new technologies and business priorities, and deliver results with minimal supervision.

Location expectations  
This role requires working from a U.S. Bank location three (3) or more days per week. 

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.