Ryan M. Trout
Minnetonka,MN
Summary
Growth-oriented transformation leader skilled in identifying opportunities and developing business cases to drive cross-functional initiatives from strategy to execution. Translates division strategy into actionable plans, fostering alignment across Sales, Credit, and Risk teams while establishing effective governance frameworks. Delivers executive-ready insights from complex data to enhance operational efficiency and accelerate growth.
Overview
21
21
years of professional experience
Work History
Senior Product Owner (nCino & Precision Lender)
U.S. Bank
02.2022 - Current
- Lead U.S. Bank’s nCino/Precision Lender Development
- Prioritized User Stories and defects for nCino releases to enhance product delivery and stakeholder satisfaction
- Defined scope of work with Step Owners to align project goals and timelines
- Collaborated with internal teams (UX/CX, Dev Ops, ETL, UW’s, User Support, ALS/AFS, LOB Leaders/SMEs, Reporting Teams, & Change Management) to ensure consistent delivery of quality product
- Facilitated contract negotiations with external teams, including nCino and Precision Lender, to establish mutually beneficial agreements.
- Present to Executive Level Leaders updates through Steering Committee
Agile Journey Owner (PPP Loan Forgiveness)
U.S. Bank
11.2020 - 02.2022
- Lead U.S. Bank’s PPP Loan Forgiveness Program
- Exceeded all KPIs related to PPP Loan Forgiveness program performance
- Present to Executive Level Leaders weekly PPP Loan Forgiveness Updates
- Collaborated with internal teams (UX/CX, Dev Ops, ETL, UW’s, User Support, ALS/AFS, Collections/SAG, Fraud/AML, RCA, CAS) to ensure consistent delivery of quality product for PPP Loan Forgiveness
- Enhanced client portal/UI to meet SBA program rules and IFRs
- Create and Define scope of work with various Step Owners
- Prioritize all User Stories and Defects for nCino Releases
- Work with numerous external Teams (DocuSign/Accenture/nCino) on Contract negotiations
- Led weekly PPP Forgiveness Specialist calls as the subject matter expert for sales.
Business Banking Support Manager (Community)
U.S. Bank
10.2019 - 11.2020
- Provided strategic input to numerous Executive Leaders and Sales Leaders
- Created consistency and removed obstacles in business banking across community banking.
- Provided expertise on nCino functionalities to enhance team's efficiency.
- Contributed to Main Street Loan Program initiatives, improving service delivery.
- ACH – Auto Decision New Functionality (Sales SME)
- P&R Team – Built CSA Team and created Onboarding Roadmap
- BLT Transformation Studio (January – June 2020)
- PPP Forgiveness
Community RM Team Manager
U.S. Bank
08.2016 - 10.2019
- Manage Business Banking Team for CEO Region (5 Employees – 2 Remote)
- CEO Business Banking Team Results: 2018 - $9,946,927 (SBLC Volume) $4,889,156 (SBDLC/EF0); 2017 - $7,351,725 (SBLC Volume) $2,768,117 (SBDLC/EF)
- Recognized two employees for exceptional performance, contributing to team ranking in the top 10 for 2018 and 2019.
- Trained and mentored branch managers in central/eastern OR district, bridging the gap between commercial and business banking.
- Coached 3 Legends of Possible Award winners in 2017/2018 (2 BBS & 1 BBRM), enhancing team's recognition.
Branch Manager
U.S. Bank
08.2014 - 08.2016
- Equipment Finance: $646,137 Yr. End (1st Place YTD Volume)
- Led branch to Top 10 ranking in Small Business Production among 156 branches in division (2015)
- Mentored new branch managers, improving skills and performance across Central/Eastern OR Districts
- Acted as Backup District Manager for 15 branches, ensuring operational continuity and support
- SBDLC Production: $707,113 Yr. End (12th Place YTD Volume)
Branch Manager/Asst. Branch Manager – VP
Bank of the Cascades
10.2010 - 08.2014
- Developed strategies that increased business banking loans and deposits in defined market area.
- Led market conversion for Home Federal Bank in Eugene, OR, overseeing 5 branches and managing 67 employees to ensure smooth transition.
Manager; Asst. Manager
Wells Fargo Bank
05.2006 - 10.2010
- Achieved Top 5 sales rank in NW Region for 2007-2008
- 2007, 2008, 2009 – Top 10 Individual Loan Production NW Region
- Managed individual and employee loan pipelines to ensure streamlined processing
- Recruited and trained 10 employees to enhance team capabilities
Education
Bachelor of Science -
University of Oregon
Skills
- Team leadership
- Sales process design
- Training and mentoring
- Cross-functional collaboration
- Agile product management
- Strategic planning
- Performance analysis
- Change management
- Problem solving
- Effective communication
- Stakeholder engagement
- Product planning
- Data-driven decision making
- User feedback analysis
- Product performance metrics
- Adaptability
Community Service
- Teton Valley Cutthroats Youth Hockey Assoc. – 6U & 10U Head Coach
- Minnetonka Youth Hockey Assoc. (Volunteer Coach)
- Bend Area Habitat for Humanity – Community Outreach Committee (Past)
Awards
- Bend Venture Conference – Panel Moderator 'Early Stage Funding Options'
- U.S. Bank – BBLC Pod Test & Learn Participant (Community)
- U.S. Bank – Agile Scorecard Development 2019/2020 – (Community)
- U.S. Bank – Bus. Banking Performance Mgmt. Coaching Pilot (Community)
- U.S. Bank – Pricing Call Moderator (November 2016, 2017)
- U.S. Bank – Regional Offsite Meeting Presenter (Hiring the Right People)
- U.S. Bank – Silver Shield Award (2x’s)
- BOTC Market Leader (Eugene Home Federal Conversion) – May/June 2014
Timeline
Senior Product Owner (nCino & Precision Lender)
U.S. Bank
02.2022 - Current
Agile Journey Owner (PPP Loan Forgiveness)
U.S. Bank
11.2020 - 02.2022
Business Banking Support Manager (Community)
U.S. Bank
10.2019 - 11.2020
Community RM Team Manager
U.S. Bank
08.2016 - 10.2019
Branch Manager
U.S. Bank
08.2014 - 08.2016
Branch Manager/Asst. Branch Manager – VP
Bank of the Cascades
10.2010 - 08.2014
Manager; Asst. Manager
Wells Fargo Bank
05.2006 - 10.2010
Bachelor of Science -
University of Oregon