nCino/Moody's Product Designer

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

The Sales, Credit and Servicing Center of Excellence (SCS CoE) is seeking a highly motivated Product Designer to support the continued evolution of both the nCino and Moody's CreditLens product portfolios.

This role offers a unique opportunity to work across two strategic lending platforms that support critical commercial lending capabilities. Acting as a bridge between business stakeholders, technology teams, vendors, and product leaders, the Product Designer will help shape and improve the end-to-end commercial lending experience by identifying opportunities to streamline workflows, improve efficiency, and deliver scalable business solutions.

This role is best suited for individuals with strengths in Product Ownership, Business Analysis, Process Improvement, and Workflow Design. The successful candidate will work closely with business partners to understand how commercial bankers and credit teams operate, gather requirements, define future-state processes, and support delivery of enhancements that drive business value and operational effectiveness.

The Product Designer will play a key role in understanding user needs, defining requirements, designing solutions, and supporting delivery of enhancements across both nCino and Moody's CreditLens. This position requires strong collaboration skills, curiosity, and the ability to navigate complex business processes spanning multiple applications and stakeholder groups. The role will also help support strategic efforts to improve connectivity, automation, and integration between lending and credit-related platforms.

Key Responsibilities:

• Support product discovery, design, enhancement, and continuous improvement efforts across both nCino and Moody's CreditLens.

• Partner with business stakeholders, technology teams, operations partners, and vendors to understand challenges, identify opportunities, and develop effective product solutions.

• Translate business needs into user stories, process flows, acceptance criteria, and product requirements.

• Analyze end-to-end commercial lending workflows to identify opportunities for automation, simplification, operational efficiency, and improved user experiences.

• Gather and document business requirements while serving as a liaison between business partners and technology teams.

• Collaborate with Moody's and nCino partners to support platform enhancements, upgrades, integrations, and issue resolution activities.

• Participate in Agile ceremonies including backlog refinement, sprint planning, testing activities, and release readiness efforts.

• Assist product leadership with roadmap planning, prioritization, and delivery of strategic initiatives.

• Support User Acceptance Testing (UAT), defect management, and production readiness activities.

• Contribute to cross-platform solutions that improve data flow, process integration, and operational effectiveness between CreditLens and nCino.

• Document business processes, workflows, and solution designs to support ongoing product maturity and knowledge sharing.

• Build strong relationships across the SCS CoE and serve as a trusted partner for stakeholders involved in lending and credit-related processes.

• Influence stakeholders and drive alignment across multiple teams to support successful delivery of business and technology initiatives.

• Stay informed on industry trends, commercial lending technology, and product management best practices to drive continuous improvement.

Basic Qualifications:

• Product management experience

Required or Preferred Qualifications:

• Experience in Product Design, Product Ownership, Business Analysis, Product Management, or a related discipline.

• Strong analytical, problem-solving, and critical thinking skills.

• Excellent written and verbal communication skills with the ability to effectively engage technical and non-technical audiences.

• Ability to manage competing priorities and deliver results in a fast-paced environment.

• Experience gathering requirements, documenting user stories, business processes, and supporting Agile delivery teams.

• Proven ability to collaborate across cross-functional teams and influence outcomes without direct authority.

Preferred

• Experience supporting financial services, commercial lending, underwriting, credit, loan origination, or banking-related platforms.

• Familiarity with nCino, Salesforce, Moody's CreditLens, or similar commercial lending and credit analysis solutions.

• Experience with Agile methodologies, backlog management, sprint planning, and release delivery.

• Experience conducting User Acceptance Testing (UAT) and supporting production implementations.

• Experience with process mapping, workflow analysis, operational improvement initiatives, and business process redesign.

• Understanding of commercial banking workflows and the lending lifecycle, including credit underwriting, portfolio management, and related operational processes.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to ourdisability 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 - $115,500.00

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 may be closed earlier due to high volume of applicants.