Senior Bank Credit Risk Analyst

3 weeks ago

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

USAA is seeking a highly skilled Senior Bank Credit Risk Analyst to join our team. As a Senior Bank Credit Risk Analyst, you will be responsible for 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 handled 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.
  • Partner to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key partners and leadership.
  • 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 based upon internal and external data sources 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 and escalate the quality and direction of credit performance to appropriate levels of management.
  • 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 & facilitate teams in the development and implementation of key initiatives.
  • Apply analytically derived insights to develop strategic plans with significant impact to business results.
  • Coach and mentor other analysts and acts as a leader with vision within the analyst community.
  • 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 field; OR 4 years of related experience (in addition to the minimum years of experience required) 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 judgement 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 (E.g., SPS 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.
Preferred Qualifications
  • 6+ years of experience with Python, SAS, or SQL to assemble and analyze data; including aggregation from multiple sources, working with different grains of data, identifying, and resolving anomalies, and using sophisticated joins to prepare data for analysis.
  • 6+ years of experience of credit risk management and analytical projects for consumer lending products, preferably with experience in data driven strategy creation and decision making.
  • 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 has an effective process 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: $120,550 - $230,400.

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

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.

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