Credit Review Specialist- Fargo, ND

U.S. Bank

Credit Review Specialist- Fargo, ND

Fargo ,

North Dakota

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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
Overview
We are seeking a skilled and experienced individual to join our team as a Secured Card Credit Review Specialist. This position requires attention to detail and an understanding of credit review procedures.
This role is responsible for conducting credit analyses including gathering, analyzing and interpreting all types of credit information on new prospective customer secured credit card applications. This position makes credit decisions, monitors customer accounts in order to identify potential issues and minimize the company’s credit risk and potential loss.
Responsibilities:
Account Review:

Oversee the review of secured card accounts to ensure compliance with internal policies and regulatory requirements.
Customer Support:

Collaborate with customer service teams to address inquiries and resolve issues related to secured card accounts.
Quality Assurance:

Maintain quality control measures to ensure high standards of accuracy and completeness in secured card accounts processing.
Risk Management:

Identify and mitigate risks associated with secured card account activities, ensuring adherence to industry best practices and regulatory guidelines.
Reporting:

Assist with working daily, weekly and monthly exception reports
Collaboration:

Work closely with cross-functional teams, including compliance, legal, and finance, to support organizational goals and initiatives.
Basic Qualifications:
-High School diploma or equivalent
-Typically less than one year of related experience
Preferred Skills/Experience:
-Basic knowledge of credit and risk analysis, economics, accounting and finance
Knowledge of secured card products, credit scoring models, and regulatory requirements.
-Analytical skills with the ability to interpret complex financial data.
-Effective verbal and written communication skills
The role offers a hybrid/flexible schedule, which means there’s an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.
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 (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .
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):
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
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 (https://eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf)

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 (https://careers.usbank.com/verification-of-eligibility-for-employment) .
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, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $23.65 - $26.02
Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants, such as customer service, contact center, and Financial Crimes investigations, remain open for approximately 5 days of the posting listed date.

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