Housing Capital Lending Manager

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

Manages a lending team across multiple geographic regions and leads the Build to Rent product team for CRE. Under the oversight of the Lending Manager, Lenders manage the homebuilder and BTR lending processes from start to finish including co-managing work out functions with problem loans in conjunction with internal departments, as needed. Under the Lending Manager’s oversight, Lenders conduct due diligence, credit analysis, credit write-ups/submittals, modifications, etc. The Lending Manager manages all marketing aspects for new business, including but not limited to initiation of all calling/prospecting of regional homebuilders. Lending Manager provides oversight as the lending team underwrites each transaction, negotiates all deal points, prepares term sheets for customer submittal, orders appraisals, completes written financial analysis preparation and reviews loan documentation. Lending Manager is responsible for presenting ancillary business opportunities to clients and prospects and working with Lenders to ensure appropriate information, contacts, and follow-up are communicated. Reviews credit write ups for approvals [detailing flow through of land/land development and construction risks and mitigants]. Oversees portfolio management [including all loan and related borrower credit, any covenants and required reports], and sales performance of lending team. Reviews Lender/Credit Analyst prepared quarterly status reports and leads presentations to senior leaders and credit approvers. For problem loans, works out each transaction and deals; manages through issues inherent with workouts, working with internal departments to generate the highest recovery through disposition of asset. Manager is responsible for goal setting, coaching, hiring, portfolio allocation and performance management of the lending team. This position requires 25-30% travel (local and non-local).

Essential Responsibilities

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Sustain profitability and growth of market/region.

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Increase revenue through both lending and ancillary business opportunities.

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Opine on and lead through strategic objectives on behalf of their region, group and in alignment with business line objectives.

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Actively ensure compliance with all US Bancorp policies and procedures such as Code of Ethics and all Anti-Money Laundering, Bank Secrecy Act, information security and suspicious activity reporting requirements.

Essential Qualifications

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12+ years of banking experience

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7+ years of management experience

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BA/MBA in finance, accounting, or other related field

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Strong leadership abilities and strategic management skills

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Knowledge of unit(s) and relation to industry

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Strong verbal and written communication skills

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Well-developed analytical, decision-making and problem-solving skills

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Considerable tact, diplomacy and people skills.

Accountabilities

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Decisions are made in conjunction with major corporation programs, plans or strategies. Independent action is normally required although other division or senior managers are usually consulted before final action is taken.

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Probable errors would have significant effect on major functions of the corporation.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants .

Learn how the way we work at U.S. Bank drives meaningful relationships with our customers and collaboration across the company.

Benefits

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

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Healthcare (medical, dental, vision)

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Basic term and optional term life insurance

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Short-term and long-term disability

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Pregnancy disability and parental leave

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401(k) and employer-funded retirement plan

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Paid vacation (from two to five weeks depending on salary grade and tenure)

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Up to 11 paid holiday opportunities

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Adoption assistance

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Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

EEO is the Law

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. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal KNOW YOUR RIGHTS EEO 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 .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, US Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401k contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $202,470.00 - $238,200.00 - $262,020.00

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