Job Description

At U.S. Bank, we're passionate about helping customers and the communities where we live and work. The fifth-largest bank in the United States, were one of the country's most respected, innovative and successful financial institutions. 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.

Job Description

U.S. Banks Commercial Banking business is one of the largest providers of innovative financial solutions in the United States across a diverse base of corporate, public sector, financial institutions, commercial and business banking customers.

We are looking for a top-performing Portfolio Manager with an innovative, analytical and naturally curious mindset to help us successfully manage every aspect of the credit process and administration, portfolio management, compliance and monitoring as it relates to prospective, new and existing commercial banking clients.

This exciting role

* Partners with assigned Relationship Manager(s) to successfully manage Commercial Banking credit account relationships

* Grows revenue as directed by senior management by successfully closing new business relationships and retaining and expanding relationships with existing customers

* Demonstrates a functional knowledge of a spectrum of commercial banking products, much in a client facing capacity

Responsibilities include

* Underwrites all types of credit account exposure including, but not limited to, working capital lines of credit, owner-occupied real estate loans, acquisition financing, etc.

* Manages an assigned credit portfolio of approximately $80,000,000 to $180,000,000 in loan commitments

* Successfully closes new business relationships and expands existing relationships

* Manages credit risk and responds to prospect or customer credit questions and makes independent calls on assigned portfolio of relationships

* Reviews the expiring financial statement reports and manages appropriate request communication to ensure the collection of current and pertinent financial information

* Enhances overall portfolio profitability, credit quality and risk management by processing timely renewals and ensuring satisfactory on-going monitoring of loans to clients

* Works closely with operational areas of the bank a well as the banks legal counsel to facilitate the accurate completion of all necessary loan documents and resolution of collateral or documentation exceptions as needed

* Reviews all necessary loan documents with stated credit approvals and loan polices

* Secondarily, provides customer service, participates in joint sales calls with Relationship Manager(s) and identifies customer needs

During the pandemic this position will be worked remotely/from home, however, this role will be in-office again once it's safe to return. Our office is located in the Financial District of San Francisco, and the hours are Monday-Friday, 8:00am-5:00pm.

Basic qualifications

* Bachelor's degree, or equivalent experience

* Five to seven years of experience in commercial or related underwriting experience

Preferred skills/experience

* Considerable knowledge of commercial lending including letters of credit, borrowing base lending, syndicated loans, operating exposure for foreign exchange and ACH, and transactions secured by real estate collateral

* Strong technical expertise in reviewing legal documentation

* Demonstrated ability to underwrite and manage a commercial credit portfolio

* Advanced knowledge of commercial finance, law, documentation, accounting and data systems

U.S. Bank will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance.

Benefits:
Take care of yourself and your family with U.S. Bank employee benefits. We know that healthy employees are happy employees, and we believe that work/life balance should be easy to achieve. That's why we share the cost of benefits and offer a variety of programs, resources and support you need to bring your full self to work and stay present and committed to the people who matter most - your family.

Learn all about U.S. Bank employee benefits, including tuition reimbursement, retirement plans and more, by visiting usbank.com/careers.

EEO is the Law
Applicants can learn more about the companys status as an equal opportunity employer by viewing the federal EEO is the Law 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.