ALM Loans Forecast Manager

Loans Forecast 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 atall from Day One.

Job Description

The Loans Forecast Manager is a key member of the Asset Liability Management (ALM) team, responsible for developing and managing the baseline balance sheet and net interest income forecast across all loan products and line of business categories. This role requires a strong understanding of balance sheet dynamics, capital, and interest rate risk, as well as the ability to lead cross-functional initiatives and collaborate with business partners across Treasury, Finance, and Risk.

Key Responsibilities Include :

• Develop, maintain, and enhance the balance sheet and NII forecast for lending products, including :
• Commercial Loans (including NDFI and non-NDFI lending), Commercial Real Estate (including Construction loans), Residential Mortgage, Installment, Credit Card, and Home Equity
• Partner with line-of-business leaders, Corporate Finance, and Quantitative Finance teams to incorporate assumptions on contractual features, new business volumes, and pricing into the forecast
• Provide actionable insights into trade-offs across return metrics (ROE, ROA), capital allocation, and interest rate risk among different lending categories
• Collaborate with the ALM forecast team, liquidity management, and capital management to drive short-term and long-term balance sheet composition
• Drive continuous improvement in forecasting tools, data quality, and documentation
• Leadership :
• Drive the vision and strategy for loan forecasting within ALM, ensuring alignment recommendations
• Lead, mentor, and develop a high-performing team of analysts, fostering a culture of accountability, innovation, and continuous improvement
• Serve as a trusted advisor to Treasury, Finance, Risk, and business leaders, building consensus and driving execution on complex initiatives
• Champion process enhancements and technology adoption to improve forecasting accuracy and efficiency
• Present forecasts and scenario analyses to executive leadership in a clear, actionable manner

Basic Qualifications

Bachelor's degree, or equivalent work experience. Eight or more years of related experience.

Preferred Skills / Experience

Advanced knowledge of financial analysis concepts and methodologies. Considerable knowledge of accounting theory practice, regulatory requirements and reporting. Well-developed financial analysis, forecasting and planning skills. Management experience required.

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.

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.

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, 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 : $126,820.00 - $149,200.00