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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates thorough credit underwriting knowledge and experience in managing Insurance Premium Finance credit relationships, with strong analytical skills and the ability to communicate effectively across teams. Proficient in compliance with credit standards and government agency regulations.
Highest-signal resume keywords
Credit Underwriting KnowledgeAnalytical SkillsWritten Communication SkillsCustomer Relationship ManagementGovernment Agency Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit UnderwritingCovenant ComplianceCollateral ValuationCredit Memo PreparationLoan Structuring
Soft Skills
Problem-Solving SkillsVerbal Presentation SkillsAbility to Work in Fast-Paced Environment
Industry Keywords
Insurance Premium FinanceCredit StandardsReg B ComplianceReg H ComplianceReg O Compliance
About the role
Key responsibilities & impact- Manage and grow Insurance Premium Finance (IPF) credit relationships in partnership with Relationship Managers
- Partner with internal and external clients to retain and expand existing customer relationships and support aligned growth opportunities
- Fulfill underwriting requirements and provide accurate, timely, conclusive credit memos
- Perform due diligence on prospective borrowers and new opportunities and assist with initial reviews
- Coordinate with Credit Risk Management and other groups to ensure consistent, concise credit documents and streamlined workflows
- Participate in credit approval discussions
- Participate in joint client calls with relationship managers, clients, and advisors
- Perform timely covenant compliance and collateral valuation updates
- Assist with legal counsel review and accuracy of credit agreements
- Assist relationship managers with loan structuring while managing risk
Requirements
What you’ll need- Bachelor's degree, or equivalent work experience
- Three to five years of relevant experience
- Thorough credit underwriting knowledge with experience in complex individual underwriting
- Thorough understanding of credit standards, policies, procedures, and government agency compliance (Reg B, H, O, etc.)
- IPF product experience preferred but not required
- Strong analytical and problem-solving skills
- Well-developed written communication and verbal presentation skills
- Ability to work effectively with individuals and groups across the company to manage customer relationships
- Aptitude to work on several time sensitive deals, projects and tasks at one time in a fast paced environment
- Ability to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies
Benefits
Comp & perks- 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
- Incentive and recognition programs
- Equity stock purchase
- 401(k) contribution and pension