Senior Bank Credit Risk Analyst

1 day ago

Phoenix, Arizona, United States USAA Full time
About USAA

USAA is a leading financial services company that serves the military community. We are committed to providing exceptional service and support to our members.

Job Summary

We are seeking a Senior Bank Credit Risk Analyst to join our team. As a Senior Bank Credit Risk Analyst, you will be responsible for identifying and mitigating credit risk, developing and implementing credit strategies, and monitoring credit performance.

Key Responsibilities
  • Apply industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio
  • Develop and deliver credit strategies to optimize profitable growth within risk appetite
  • Monitor credit performance and track internal and external factors impacting credit strategy performance
  • Partner with cross-functional teams to deliver Bank credit risk strategies across lines of defense
  • Analyze internal and external scores/data for use in identifying first-party fraud
  • Apply industry knowledge and driven benchmarking to advise credit strategy development
  • Use advanced and nuanced quantitative analysis to bring structure and clarity to ambiguous and exciting problems
  • Develop, handle, and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks
  • Design and perform complex financial risk sensitivity analysis
  • Build and handle credit strategy infrastructure and ensure credit strategies are implemented as intended
  • Apply expert programming and analytical techniques to analyze credit data
  • Provide thought leadership, coaching, and mentoring to team members regarding analytics and risk management
  • Collaborate with key partners to guide and facilitate teams in the development and implementation of key initiatives
  • Apply analytically derived insights to develop strategic plans with significant impact to business results
  • Coaches and mentors other analysts and acts as a leader with vision within the analyst community
  • Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures
Requirements
  • Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical field; OR 4 years of related experience may be substituted in lieu of degree
  • 6 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments, or bank credit risk data; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, risk assessments, or bank credit risk data
  • Experience in financial analysis activities to support risk strategy
  • Strong understanding of banking regulations, risk, and/or compliance
  • Advanced presentation and communication skills
  • Advanced eye for business and attention to detail and accuracy
  • Advanced research and investigation skills and demonstrated good judgment in problem solving
  • Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint
  • Advanced knowledge of data analysis tools including skills to develop analysis queries and procedures in SQL, SAS, or other business intelligence and analysis software applications for data segmentation, aggregation, and statistics
  • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE
Preferred Qualifications
  • 6+ years of experience with Python, SAS, or SQL to assemble and analyze data
  • 6+ years of experience of credit risk management and analytical projects for consumer lending products
  • Experience with credit card origination credit strategy, or valuation (NPV) model for consumer lending products
  • Experience working with cross-functional partners and key collaborators to build consensus and drive initiatives
  • Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions
  • US military experience through military service or a military spouse/domestic partner
What We Offer

USAA offers a competitive salary range of $120,550 - $230,400, as well as a comprehensive benefits package, including medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. We also offer career path planning and continuing education to assist employees with their professional goals.

USAA is an Equal Opportunity Employer and welcomes applications from qualified candidates. We are committed to diversity and inclusion in the workplace and strive to create an environment where all employees feel valued and respected.

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