Senior Bank Credit Risk Analyst

1 week ago

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

USAA is a mission-driven organization that facilitates the financial security of millions of U.S. military members and their families. Our core values of honesty, integrity, loyalty, and service guide everything we do, from how we treat our members to how we treat each other.

The Opportunity

We are seeking a dedicated Senior Bank Credit Risk Analyst to join our team. This individual will have a strong background in credit risk strategy development for deposit and consumer credit portfolios to optimize profitable growth within risk appetite. The successful candidate will own operational and compliance risk inherent in credit strategy, track and monitor credit strategy performance, and identify internal and external factors impacting credit risk exposure for bank portfolio products.

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 collaborators and leadership.
  • Analyze internal and external scores/data for use in identifying first-party fraud.
  • Apply industry knowledge and driven benchmarking to inform credit strategy development.
  • Apply 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.
  • Create and lead 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.
  • Use analytically derived insights to develop strategic plans with significant impact to business results.
  • Coach and mentor other analysts and act as a leader with vision within the analyst community.
  • Ensure risks associated with business activities are optimally identified, measured, supervised, 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 discipline; 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 business acumen 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.
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.

  • Bank Credit Risk Analyst

    4 weeks ago

    San Antonio, Texas, United States USAA Full time

    About the RoleUSAA is seeking a skilled Credit Risk Analyst to join our team. As a Credit Risk Analyst, you will play a critical role in identifying and mitigating credit risk across our consumer credit portfolios. You will work closely with senior management and key stakeholders to develop and implement credit strategies that optimize profitable growth...

  • Bank Credit Risk Analyst

    2 weeks ago

    San Antonio, Texas, United States USAA Full time

    About USAAUSAA is a leading financial services organization dedicated to serving the needs of U.S. military members and their families. Our mission is to facilitate the financial security of our members, and we're committed to making a real impact in their lives.The OpportunityWe're seeking a highly skilled Bank Credit Risk Analyst to join our team. As a key...

  • Bank Credit Risk Analyst

    3 weeks ago

    San Antonio, Texas, United States USAA Full time

    About the RoleUSAA 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.Key ResponsibilitiesApply industry-leading practices and analytical...

  • Bank Credit Risk Analyst

    2 days ago

    San Antonio, Texas, United States USAA Full time

    About USAAUSAA 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 SummaryWe are seeking a highly skilled Bank Credit Risk Analyst to join our team. As a key member of our credit risk...

  • Senior Business Analyst

    2 days ago

    San Antonio, Texas, United States The Judge Group Full time

    Job Title: Senior Business Analyst - Credit Risk ExpertWe are seeking a highly skilled and experienced Senior Business Analyst to join our Credit Risk Management team. The successful candidate will be an integral part of the First Line of Defense, specifically within the Bank Credit Risk domain.Responsibilities:Data Analysis and Qualification: Utilize...

  • Senior Commercial Credit Analyst

    4 weeks ago

    San Antonio, Texas, United States Broadway Bank Full time

    Position: Commercial Credit Analyst IIDivision: Commercial CreditWork Schedule: Monday - FridayHours of Operation: 8:00 am - 5:00 pmWhy Broadway Bank:We are a leading financial institution in Texas, offering a range of personal and business banking services.As a Commercial Credit Analyst II, you will play a critical role in our Commercial Credit team,...

  • Senior Business Analyst

    4 weeks ago

    San Antonio, Texas, United States The Judge Group Full time

    About the RoleWe are seeking a highly skilled and experienced Senior Business Analyst to join our Credit Risk Management team at The Judge Group. As a key member of our First Line of Defense, you will play a critical role in overseeing and managing credit risk associated with secured loans, credit cards, loan origination, and card management.Key...

  • Credit Risk Analyst

    3 weeks ago

    San Antonio, Texas, United States International Bank of Commerce Full time

    {"Job Title": "Credit Analyst", "Job Summary": "At International Bank of Commerce, we are seeking a skilled Credit Analyst to join our team. The successful candidate will be responsible for performing pre-funding audits, loan document reviews, and loan reviews to ensure the accuracy and completeness of loan documents and bank records. This role requires a...

  • Senior Business Analyst

    4 weeks ago

    San Antonio, Texas, United States The Judge Group Full time

    Job DescriptionWe are seeking a highly skilled and experienced Senior Business Analyst to join our Credit Risk Management team at The Judge Group.Key Responsibilities:Data Analysis and Qualification: Utilize advanced analytical skills to qualify and analyze data relevant to credit risk within the Experian Analytical Sandbox.Credit Risk Oversight: Work...

  • Bank Credit Risk Analyst

    3 weeks ago

    San Antonio, Texas, United States USAA Full time

    About the OpportunityAt USAA, we're committed to facilitating the financial security of millions of U.S. military members and their families. As a Bank Credit Risk Analyst, you'll play a critical role in identifying credit risk, developing and delivering credit strategies, and monitoring credit performance for consumer credit portfolios. Your expertise will...

  • Credit Risk Analyst

    6 days ago

    San Antonio, Texas, United States Vaco Full time

    Job Title: Credit Risk AnalystVaco is working with a leading financial institution to find a highly skilled and experienced Credit Risk Analyst with a strong background in credit card risk management. This is an onsite, interim role designed to support the client's credit risk management team during a critical period.Key Responsibilities:Analyze and assess...

  • Commercial Credit Underwriter/Analyst II

    1 week ago

    San Antonio, Texas, United States AMERICAN BANK Full time

    Job DescriptionAt American Bank, we're committed to delivering exceptional service and innovative solutions to our clients. We're seeking a skilled Credit Underwriter/Analyst to join our team and contribute to our success.The ideal candidate will possess strong analytical and communication skills, with the ability to effectively evaluate credit information...

  • Credit Risk Analyst

    6 days ago

    San Antonio, Texas, United States Vaco Full time

    Job Title: Credit Risk AnalystVaco is seeking a highly skilled Credit Risk Analyst to support our client's credit risk management team during a critical period. This is an onsite, interim role that requires a strong background in credit card risk management.Key Responsibilities:Analyze and assess credit risk for credit card portfolios.Develop and implement...

  • Commercial Credit Analyst II

    4 weeks ago

    San Antonio, Texas, United States Broadway Bank Full time

    Job Summary:We are seeking a highly skilled Commercial Credit Analyst II to join our team at Broadway Bank. As a key member of our Commercial Credit team, you will be responsible for analyzing creditworthiness of commercial clients and providing recommendations to our lending team.Key Responsibilities:Analyze financial statements, credit reports, and other...

  • Commercial Credit Analyst II

    3 weeks ago

    San Antonio, Texas, United States Broadway Bank Full time

    Job SummaryBroadway Bank is seeking a highly skilled Commercial Credit Analyst II to join our team. As a key contributor to our credit decision process, you will be responsible for analyzing complex commercial business, commercial real estate, and professional/executive credits and relationships.Key ResponsibilitiesAnalyze and underwrite existing and new...

  • Commercial Credit Analyst II

    3 weeks ago

    San Antonio, Texas, United States Broadway Bank Full time

    Job Title: Commercial Credit Analyst IIBroadway Bank is seeking a highly skilled Commercial Credit Analyst II to join our team. As a key contributor to our credit decision process, you will be responsible for analyzing complex commercial business, commercial real estate, and professional/executive credits and relationships.Key Responsibilities:Analyze and...

  • Quantitative Risk Analyst II

    6 days ago

    San Antonio, Texas, United States PENFED Credit Union Full time

    Job Title: Quantitative Risk Analyst IIPenFed Credit Union is seeking a highly skilled Quantitative Risk Analyst II to join our team. As a key member of our Credit Risk Management department, you will play a critical role in supporting the Chief Credit Office with quantitative analytics for setting allowance and projecting credit losses under various...

  • Credit Risk Specialist

    6 days ago

    San Antonio, Texas, United States Vaco Full time

    Job Title: Credit Risk AnalystVaco is seeking a highly skilled and experienced Credit Risk Analyst to join our team. As a Credit Risk Analyst, you will play a critical role in supporting our client's credit risk management team during a critical period.Key Responsibilities:Analyze and assess credit risk for credit card portfolios.Develop and implement risk...

  • Quantitative Risk Analyst II

    7 days ago

    San Antonio, Texas, United States PENFED Credit Union Full time

    OverviewPenFed Credit Union is seeking a highly skilled Quantitative Risk Analyst II to join our team. As a key member of our Chief Credit Office, you will play a critical role in supporting our organization's mission to provide world-class service to our members, employees, and communities.We are looking for a talented individual with a strong background in...

  • Quantitative Risk Analyst II

    3 days ago

    San Antonio, Texas, United States PENFED Credit Union Full time

    OverviewPenFed Credit Union is seeking a highly skilled Quantitative Risk Analyst II to join our team. As a key member of our Chief Credit Office, you will play a critical role in supporting our organization's mission to provide world-class service to our members, employees, and communities.We are looking for a talented individual with a strong background in...