Senior Credit Risk Analyst

6 hours ago

Colorado Springs, Colorado, United States USAA Full time
About the Opportunity

USAA is seeking a highly skilled Bank Credit Risk Analyst to join our team. As a dedicated professional, 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:

  • Apply industry leading practices and analytical skills to identify risks and opportunities within the led portfolio and translate results into strategic solutions with the delivery of credit risk strategies.
  • Apply critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.
  • Assist in delivering Bank credit risk strategies across lines of defense by optimally driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.
  • Apply industry knowledge and driven benchmarking to inform credit strategy development.
  • Use quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems.
  • Develop and present comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalate the quality and direction of credit performance to appropriate levels of management.
  • Perform sophisticated financial risk sensitivity analysis.
  • Build requirements to support the management of credit strategy infrastructure and ensure credit strategies are implemented as intended.
  • Apply programming and analytical techniques to analyze credit data.
  • Provide support for junior team members regarding analytics and risk management.
  • Collaborate with key partners to guide & facilitate teams in the development and implementation of key initiatives.
  • Ensure 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 subject area; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
  • 4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an 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.
  • Strong presentation and communication skills.
  • Good business acumen and attention to detail and accuracy.
  • Strong research, investigation skills and demonstrated good judgement in problem solving.
  • 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 (E.g., SPSS, Python, R or Visual Basic).
  • Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What We Offer:

Compensation: USAA has an effective method for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $89,990 - $172,000.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

USAA is an Equal Opportunity Employer. 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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