Asset Based Finance Underwriting and Portfolio Manager Team Lead
U.S. Bank, Newport Beach, CA, United States
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.
People Leadership & HR Management
Directly manage employees across their respective office locations, including performance management, skills development, quality control, and ongoing coaching.
Manage and train a team of Credit Analysts and an annual intern pool.
Lead the team by adherence to and managing to Bank’s office work goal ‘in‑office’ policy.
Own core HR responsibilities such as performance reviews, PTO and leave management, and employee development planning.
Actively support career progression by identifying learning opportunities and accelerating team members’ growth aligned with organizational goals.
Participate in leadership meetings to manage the local organization, cascade information, and align team priorities.
Credit Oversight & Risk Management
Maintain the highest credit quality standards within the office and serve as a senior credit leader in the market.
Participate in the initial assessment of new credit opportunities, credit approval discussions, and ongoing management of the underwriting workflow.
Ensure the team’s timely completion of credit requests, annual reviews, past‑due monitoring, problem credit management, and adherence to credit quality goals.
Core Functional Oversight
Oversee and ensure quality execution of three core functions:
Quarterly portfolio and trend reporting
Annual credit reviews
New transaction underwriting
Partner closely with credit risk management, loan administration, portfolio management, and relationship teams to ensure consistency, accuracy, and efficiency across processes.
Basic Qualifications
Bachelor’s degree or equivalent work experience
Ten or more years of banking experience
Three or more years of team leadership and/or management experience
Preferred Skills & Experience
Five or more years of direct asset based lending underwriting and/or portfolio management experience
Thorough knowledge of commercial lending policy, credit products, and credit quality standards
Strong leadership and strategic management capabilities to develop teams
Well‑developed analytical, decision‑making, and problem‑solving skills
Effective written and verbal communication skills with a high level of tact and diplomacy
Experience managing credit workflows, regulatory compliance, and audit support
Hands‑on experience with:
nCino
ABLE (Asset Based Lending Environment)
LEAP (Microsoft Light Enterprise Application)
Familiarity with applicable laws, regulations, and internal credit and risk policies and procedures
Strong Excel proficiency for underwriting, analysis, and reporting
Benefits
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
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
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.
Pay Range: $159,970.00 - $188,200.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting Status Posting may be closed earlier due to high volume of applicants.
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People Leadership & HR Management
Directly manage employees across their respective office locations, including performance management, skills development, quality control, and ongoing coaching.
Manage and train a team of Credit Analysts and an annual intern pool.
Lead the team by adherence to and managing to Bank’s office work goal ‘in‑office’ policy.
Own core HR responsibilities such as performance reviews, PTO and leave management, and employee development planning.
Actively support career progression by identifying learning opportunities and accelerating team members’ growth aligned with organizational goals.
Participate in leadership meetings to manage the local organization, cascade information, and align team priorities.
Credit Oversight & Risk Management
Maintain the highest credit quality standards within the office and serve as a senior credit leader in the market.
Participate in the initial assessment of new credit opportunities, credit approval discussions, and ongoing management of the underwriting workflow.
Ensure the team’s timely completion of credit requests, annual reviews, past‑due monitoring, problem credit management, and adherence to credit quality goals.
Core Functional Oversight
Oversee and ensure quality execution of three core functions:
Quarterly portfolio and trend reporting
Annual credit reviews
New transaction underwriting
Partner closely with credit risk management, loan administration, portfolio management, and relationship teams to ensure consistency, accuracy, and efficiency across processes.
Basic Qualifications
Bachelor’s degree or equivalent work experience
Ten or more years of banking experience
Three or more years of team leadership and/or management experience
Preferred Skills & Experience
Five or more years of direct asset based lending underwriting and/or portfolio management experience
Thorough knowledge of commercial lending policy, credit products, and credit quality standards
Strong leadership and strategic management capabilities to develop teams
Well‑developed analytical, decision‑making, and problem‑solving skills
Effective written and verbal communication skills with a high level of tact and diplomacy
Experience managing credit workflows, regulatory compliance, and audit support
Hands‑on experience with:
nCino
ABLE (Asset Based Lending Environment)
LEAP (Microsoft Light Enterprise Application)
Familiarity with applicable laws, regulations, and internal credit and risk policies and procedures
Strong Excel proficiency for underwriting, analysis, and reporting
Benefits
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
U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.
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.
Pay Range: $159,970.00 - $188,200.00
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.
Posting Status Posting may be closed earlier due to high volume of applicants.
#J-18808-Ljbffr