Joe Mraz Email and Phone Number
Diversified banking professional with 26 years of experience in risk. Focus has included corporate, commercial, consumer, financial institution, non-profit, counterparty, sovereign, global trust, structured trade, and wealth management credit. Budget and vendor management. Audit collaboration. Credit policy review/writing. Continuous improvement catalyst driving redefinition of processes through entrepreneurial spirit.
U.S. Bank
View- Website:
- usbank.com
- Employees:
- 59540
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Senior Credit OfficerU.S. Bank Jun 2021 - PresentUnited StatesSenior Credit Officer for Depository Financial Institutions, Institutional Risk Management, Education & Non-Profit, Corporate Trust and Supply Chain Finance
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Head Of Institutional Risk Management/Senior Vice PresidentU.S. Bank May 2008 - Jun 2021Greater Minneapolis-St. Paul AreaHead centralized departments that underwrite and approve financial counterparty and sovereign risk. Establish and maintain system of risk management and internal controls to support business objectives, maintain acceptable risk appetite/tolerances and comply with regulatory authorities. Partner with and provide guidance to 20+ different business lines on complex structure, conformity with policies, credit concerns and ongoing portfolio management across over 40 products.
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Commercial Lender/Portfolio ManagerKleinbank Jan 2006 - May 2008WaconiaManaged and grew portfolio of commercial banking relationships by originating credits utilizing creative structures and variety of collateral including commercial and residential real estate and asset based lending. Analyzed financial statements, tax returns, and spreads to determine if the quality and quantity of cash flow/income and repayment capacity indicate an acceptable amount of risk. Drafted legal documentation to customize needs and perfect interest. Negotiated workout strategies and liquidated collateral. -
Sr. UnderwriterBank Of America Aug 1997 - Jan 2006Bloomington, MinnesotaAnalyzed multiple types of applications involving approval criteria in conjunction with credit policy guidelines. Communicated credit analysis and final loan decision with consideration to salability, risk, compliance, and corporate procedure. Balanced decisions regarding relationship lending with long-term profitability and product salability. Employed well-practiced negotiation skills and creative underwriting.
Joe Mraz Education Details
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Finance, General
Frequently Asked Questions about Joe Mraz
What company does Joe Mraz work for?
Joe Mraz works for U.s. Bank
What is Joe Mraz's role at the current company?
Joe Mraz's current role is Senior Credit Officer for Depository Financial Institutions at U.S. Bank.
What schools did Joe Mraz attend?
Joe Mraz attended University Of Minnesota Duluth.
Who are Joe Mraz's colleagues?
Joe Mraz's colleagues are Angela Carl, Brinn Granat, Dominique Hudson, Jim Imsdahl, Ue Lisa Cha, Angel Myles, Jill Macchi.
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5 +151228XXXXX
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2slo.state.nm.us, state.nm.us
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