U.S. Bank

Sales

• Key contact for Treasury Management customers
• Serve as the primary back-up to Treasury Management Consultants
• Assist with the selling of treasury management solutions and the management of the overall sales process
• Ensure optimal levels of services are made available
• Analyze multiple resources and tools to understand customer's complex needs
• Manage all pricing functions and new pricing requests
• Compile and analyze detailed pricing information
• Facilitate and manage deal development process by collecting and monitoring client data
• Identify revenue generating opportunities
• Assist TMC in driving new sales opportunities by identifying client needs and cross-selling Treasury Management products

Sales Analyst

General

• Responsible for the administration, risk management and servicing of assigned fiduciary and investment management accounts
• May include Relationship Management responsibilities as well as product specialty knowledge and expertise (such as IRAs, Charitable/Philanthropic Accounts, ILITs, Estates, etc.)
• Will likely work as part of a team of experts administering accounts where tasks are assigned based on complexity
• Accountable for servicing and retention of existing accounts
• Administers accounts in a manner which ensures compliance with the governing documents, state statutes and U.S. Bank policies and procedures
• Responsible for meeting all corporate and regulatory compliance standards

Trust Officer

Account Manager

• Bring new business clients to the bank through strong business development and prospecting.
• Be the primary advisor for our business clients.
• Build, develop, enrich and manage new and existing relationships with business clients.
• Deliver financial expertise and client-centric solutions that build strong, long-term relationships.
• Assess and attend to clients' banking needs.
• Educate clients on available deposit and loan products and services.
• Recommend financial solutions based on each client’s unique goals and needs.
• Partner effectively with Treasury Management, Merchant Services and Business Banking Credit Card teams.

Business Banking Relationship Manager

Consultant

• Client Relationship Consultants build relationships with customers, engaging them via multiple channels including in-person, by appointment, and virtually to provide the best possible counsel while adapting a digital first mindset.
• Strong client relationships are based on trust, assessing and attending to customers’ banking needs, obtaining and processing customer and account information, demonstrating and educating clients on available deposit and loan products and services, and recommending solutions based on each customer’s unique goals and needs.
• Builds and fosters relationships with clients through proactive outreach and follow up, asking questions and learning about their financial needs, and banking channel preferences.
• Identifies solutions for new and existing clients based on their needs by effectively engaging and communicating with clients.
• Maintains a working knowledge of consumer and business banking products and services including digital products and services.
• Provides a consistent optimal client experience, including greeting clients and processing basic transactions.
• Develops collaborative partnerships with branch team members and partners to best serve clients.
• Opens new consumer and business accounts, completes service requests and submits credit applications.
• Proactively educates clients on emerging and self-service digital products and services to assist with meeting their financial needs.
• Leverages available resources and technologies to optimize the client experience and serve our clients with operational excellence and accuracy.

Float Client Relationship Consultant 4

Operations

• Provide expert guidance on the structuring of complex standby letter of credit transactions, including issuance, amendments, and risk considerations
• Review and interpret credit agreements, reimbursement agreements, and related legal documentation to ensure alignment with SBLC terms and bank risk standards
• Partner closely with Relationship Managers, Legal, and Credit teams to advise on deal structure and support successful transaction execution
• Deliver best-in-class customer service by clearly explaining requirements, setting expectations, and guiding partners through the standby LC process
• Communicate effectively and confidently, particularly in verbal discussion involving complex or sensitive client scenarios
• Serve as a key resource for complex or non-standard requests, providing recommendation and solutions while ensuring adherence to policy
• Support onboarding of complex or sensitive clients by partnering with Relationship Managers, Portfolio Managers, and Credit teams to advise on documentation, structure, and set up requirements

Standby Letter of Credit Advisor – Operations

• Responsible for the acquisition, expansion, and retention of new Payment business, including Merchant, Treasury Management and Card products.
• Focus on outside sales and proactive prospecting to acquire new business clients.
• Contact existing and prospective clients to provide consultative advice on the business cash conversion cycle, working capital management, and internal processes to develop Payment business.
• Collaborate with Business Banking Relationship Managers to manage relationships with existing clients.
• Conduct receivables and payables business operating cycle analyses for identified client relationships.
• Provide consultative feedback and product/service recommendations to clients for process efficiencies.
• Meet or exceed assigned sales and revenue goals and retention objectives.
• Build relationships in the community and engage with local organizations.

Business Banking Treasury Management Payments Consultant

Review Appraiser

• Manage commercial real estate appraisal process for assigned market area(s).
• Engage appropriate appraisers and appraisals for complex commercial real estate property types and transactions.
• Review appraisal reports for compliance with bank policy and procedures, USPAP, and federal and state regulations.
• In a timely and professional manner, resolve deficiencies with appraisal reports.
• Assist Regional Manager and or Chief Appraiser with national portfolios, warehouse lines, staff training and special valuation issues or projects when requested.
• Manage and prioritize pending and active appraisal reviews so as to meet lending deadlines.
• Manage external vendor panel for assigned region.
• Consult and advise bank staff regarding real estate appraisal policy and procedures and state and federal appraisal regulations.
• Maintain review productivity and quality control measurements in-line with department benchmarks.

Senior Review Appraiser

• Originates mortgage loans in an assigned metropolitan territory.
• Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval.
• Follows-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources.
• Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.
• Incumbents are expected to spend at least 50% of their time conducting their activities away from U.S. Bank locations.

Mortgage Loan Originator

• Supervising the day-to-day activities related to loan origination functions for a small team of Mortgage Loan Originators
• Ensures that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources
• Meets specific loan volume origination goals established annually by upper management
• Establishes referral source relationships for a steady flow of loan volume from real estate brokers, builders, and other external sources
• Actively participates in local and state mortgage banking, realtor, and builder trade associations
• Maintains a thorough understanding of mortgage industry knowledge and event issues
• Establishes collaborative partnerships within U.S. Bank Home Mortgage and other business lines within U.S. Bank to promote customer relationship and additional product sales
• Responsible for interviewing and recruiting new talent and proactively retaining employees through employee development and positive employee engagement

Mortgage Sales Supervisor

• Originates mortgage loans in an assigned non-bank territory
• Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval
• Follows-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources
• Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations
• Expected to spend at least 50% of their time conducting activities away from U.S. Bank locations

• Originates mortgage loans in an assigned non-bank territory.
• Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval.
• Follows-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources.
• Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.
• Required to spend at least 50% of their time conducting their activities away from U.S. Bank locations.

• Originates mortgage loans in an assigned metropolitan territory.
• Takes applications, conducts preliminary underwriting reviews, submits loan applications to processing and underwriting for approval.
• Follows-up to ensure that documents required for processing, underwriting, and closing are secured in a timely manner from appropriate sources.
• Incumbents are customarily and regularly engaged in making and soliciting loan sales and conducting sales-related activities away from U.S. Bank locations.
• This position requires National Mortgage Licensing System (NMLS) registration.

Client Partner

• Develop and maintain relationships with Corporate Trust clients
• Manage the value of client relationships to the organization
• Review and accept new client relationships based on business line account acceptance policies and procedures
• Provide quality service based on client needs, wants, and expectations
• Align actions accordingly and remain sensitive and responsive to both internal and external clients
• Build distinctive predictable levels of service
• Resolve problems quickly and effectively
• Work closely with new business development staff
• Identify business risks and operational challenges and take steps to mitigate risk
• Coordinate the development and implementation of operational changes within the unit
• May be responsible for meeting certain revenue, new business and expense goals
• May manage staff, hire new staff, and/or train staff to successfully meet business objectives

Global Corporate Trust Escrow Client Manager

Supply Chain

• Reviewing calculations, projected income and capital gain distribution estimates for clients.
• Monitoring and reviewing the overall distribution process for clients, comprising accurate and timely calculations, reconciliations and payment of dividends and capital gains for ETF and mutual fund products.
• Validate distribution rates, components, and tax classifications (e.g., ordinary income, qualified dividends, capital gains, return of capital) and review vendor reporting and income projections.
• Collaborating with fund administrators, tax administrators, fund accountants, transfer agents, custodians, index providers and exchanges.
• Support daily financial operations for ETF and mutual fund products by overseeing invoice processing, managing vendor relationships, and ensuring accurate allocation of fund expenses.
• Maintain organized records and ensure compliance with internal controls.
• Work closely with internal teams and external service providers.

Sales Analyst

Trust Officer

Business Banking Relationship Manager

Float Client Relationship Consultant 4

Standby Letter of Credit Advisor – Operations

Business Banking Treasury Management Payments Consultant

Senior Review Appraiser

Mortgage Loan Originator

Mortgage Loan Originator

Mortgage Sales Supervisor

Mortgage Loan Originator

Mortgage Loan Originator

Mortgage Loan Originator

Global Corporate Trust Escrow Client Manager

Distribution and Expense Servicing Manager