Credit Risk Review (CRR) Lead Analyst

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

Credit Risk Review Officers (CRROs) independently evaluate and monitor credit risk and credit management processes within the bank to minimize losses. This is accomplished through the analysis of portfolio credit quality and portfolio reporting, independent review of individual credits and data analytics, and the continuous monitoring and periodic evaluation of the risk management processes used by the lines of business. CRROs are responsible for critically evaluating the quality of risk management, identifying and challenging weak or ineffective practices, and sharing best practices to effect change. This role is similar to a loan or problem credit review role at other financial institutions.

Minimum Education and Experience Guidelines:

• Seven years of payments and/or consumer credit experience in one or more of the following functions: credit analyst, underwriter, portfolio manager, relationship manager, credit risk review officer, or credit approval officer.

• Bachelor’s degree in finance, accounting, business, or a related field preferred, or a Bachelor’s degree with relevant industry and/or credit review experience. Individuals may have a Master’s degree and/or professional designation in a business field.

Traits and Skills:

• Broad and deep knowledge of payments and/or consumer lending portfolios (Consumer and Small Business Credit Card, Merchant Processing, Consumer Lending).

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

• Credit analysis skills to accurately evaluate loan structure, borrower financial condition, repayment capacity, collateral, exceptions, and key credit and default risk drivers.

• Ability to accurately evaluate a business unit’s underwriting, portfolio management, and default management processes.

• Draws accurate conclusions efficiently and can make decisions without the benefit of full information.

• May manage reviews with oversight and guidance from a senior team member or manager.

• 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 applicable to the CRRO role.

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

• Clear and concise writing style.

• Strong time management skills, including the ability to prioritize assigned tasks, project achievable delivery dates, meet deadlines or escalate when needed.

• Ability to work independently. Is a self-starter, is self-directed and proactively seeks out work.

General Responsibilities:

• Reviews individual credits or accounts. Accurately analyzes the key aspects of credit and default processes and clearly and sufficiently documents the independent analysis.

• 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.

• Aggregates and summarizes line sheet observations or themes.

• Completes various aspects of project management and may manage reviews with oversight and guidance from a senior team member or manager.

• Performs continuous monitoring of business lines, related industry trends, and key risk indicators or metrics.

• Attends portfolio credit risk meetings for assigned business lines as applicable.

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

• Completes follow-up issue remediation monitoring and performs issue validation testing, as applicable.

Working Hours: Based on Polish standard time (typically 9:00 AM – 5:00 PM or 10:00 AM – 6:00 PM), with flexibility to accommodate occasional meetings with U.S.-based colleagues.

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.