Earth City, MO, United States of America
Onsite
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.
Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.
The Business Analyst partners with product managers, business stakeholders, data scientists, and technology teams to support the delivery of AI-driven solutions that enhance and modernize the end-to-end Mortgage and Home Equity origination experience. This role is responsible for eliciting, analyzing, documenting, and translating business needs into clear functional and non-functional requirements, user stories, acceptance criteria, and workflow designs that enable the successful development and implementation of AI-powered capabilities.
The Business Analyst collaborates across the origination lifecycle to define data requirements, model inputs and outputs, decisioning logic, and workflow integrations while ensuring business context is incorporated into solution design and evaluation. The position facilitates stakeholder alignment through requirements workshops, backlog refinement, and cross-functional working sessions, serving as a liaison between business and technical teams. Responsibilities include supporting test planning, user acceptance testing, implementation readiness, and validation of AI-driven solutions to ensure alignment with business objectives and operational needs.
The Business Analyst also supports AI governance, model risk management, regulatory compliance, audit documentation, and control requirements, partnering with Risk and Compliance teams to ensure solutions meet established standards. Additionally, the role contributes to performance measurement, KPI tracking, continuous improvement initiatives, dependency management, and Agile delivery activities to help drive successful adoption and business outcomes. Strong knowledge of mortgage origination processes, analytical problem-solving skills, and the ability to work at the intersection of business, data, and technology are essential for success in this role.
Basic Qualifications
- Bachelor's degree, or equivalent work experience
- 10 or more years of direct experience with project management responsibilities
Preferred Skills/Experience
- Ability to conduct an analysis of business needs, including scheduling meetings, planning agendas, conferring with business line leaders, documenting and making verbal and written presentations
- Strong understanding and use of project management techniques and testing processes and supervises their use
- Ability to develop test schedules, review testing plans, track test issues and report on test results
- Proficient computer navigation skills using a variety of software packages including Microsoft Office applications
- Strong project management, organization and analytical skills
- Strong interpersonal, verbal, written and presentation communication skills
- Strong leadership and negotiation skills
- Extensive knowledge of a business line or function area
-Experience in mortgage lending, home equity lending, or related consumer lending environments.
-Knowledge of artificial intelligence (AI), large language models (LLMs), and AI-powered solutions, with experience supporting or implementing AI capabilities within a business environment preferred.
-Demonstrated ability to think strategically, challenge conventional approaches, and provide innovative insights that drive business and process improvements.
-Forward-thinking mindset with a passion for emerging technologies, continuous improvement, and transforming customer and employee experiences.
-Ability to evaluate complex business challenges and recommend creative, data-driven solutions that support organizational objectives.
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.
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:
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
Review our full benefits available by employment status here.
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.
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: $98,175.00 - $115,500.00U.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 may be closed earlier due to high volume of applicants.