Bank Credit Risk Analyst

2 days ago


San Antonio, Texas, United States USAA Full time
About USAA

USAA is a leading financial services organization dedicated to serving the needs of U.S. military members and their families. Our mission is to provide exceptional service and support to those who have served our country.

Job Summary

We are seeking a highly skilled Bank Credit Risk Analyst to join our team. As a key member of our credit risk management team, you will be responsible for identifying and mitigating credit risk, developing and implementing credit strategies, and monitoring credit performance for consumer credit portfolios.

Key Responsibilities
  • Apply industry-leading practices and analytical skills to identify risks and opportunities within the credit portfolio.
  • Develop and deliver credit risk strategies to optimize profitable growth within risk appetite.
  • Monitor credit performance and identify areas for improvement.
  • Collaborate with cross-functional partners to drive initiatives and build consensus.
  • Provide support to junior team members regarding analytics and risk management.
Requirements
  • Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical subject area.
  • 4 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 compliance.
  • Strong presentation and communication skills.
  • 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.
Preferred Qualifications
  • 2+ years of experience with Python, SAS, or SQL to assemble and analyze data.
  • 2+ years of experience in credit risk management and analytical projects for consumer lending products.
  • Experience with Credit Karma LightBox strategy or valuation (NPV) model for consumer lending products.
  • US military experience through military service or a military spouse/domestic partner.
What We Offer

USAA offers a competitive salary range of $89,990 - $172,000, based on experience and market data. We also offer a comprehensive benefits package, including medical, dental, and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off, and various wellness programs.

USAA is an Equal Opportunity Employer and welcomes applications from diverse candidates. We are committed to creating an inclusive and supportive work environment that values diversity, equity, and inclusion.



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