Bank Credit Risk Analyst
14 hours ago
As a dedicated Bank Credit Risk Analyst at USAA, you will play a critical role in identifying credit risk, developing and delivering credit strategies, and monitoring credit performance for consumer credit portfolios to optimize profitable growth within risk appetite.
Key Responsibilities- Use quantitative methods to identify credit risk and develop credit strategies
- Monitor credit performance for consumer credit portfolios
- Mitigate operational and compliance risk inherent in credit strategy
- Track and monitor internal and external factors impacting credit strategy performance
- Apply industry leading practices and analytical skills to identify risks and opportunities within the led portfolio
- Develop and present comprehensive risk and financial reporting
- Perform sophisticated financial risk sensitivity analysis
- Build requirements to support the management of credit strategy infrastructure
- Collaborate with key partners to guide and facilitate teams in the development and implementation of key initiatives
- Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area
- 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments
- Advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical subject area and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments
- Understanding of banking regulations, risk and/or compliance
- Good business acumen and attention to detail and accuracy
- Solid understanding of Microsoft Office products, particularly Excel, Word, and PowerPoint
- Solid understanding 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
- 2+ years of experience with Python, SAS, or SQL to assemble and analyze data
- 2+ years of experience of credit risk management and analytical projects for consumer lending products
- Experience with Credit Karma LightBox strategy, or valuation (NPV) model for consumer lending products
- Strong written and verbal communication skills with ability to translate analysis results into clear insights and actions
USAA offers a competitive salary range based on experience and market data, comprehensive 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.
Applications for this position are accepted on an ongoing basis. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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