Job Description
Qualifications
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…
Benefits
We offer a flexible work environment that requires an individual to be in the office 4 days per week
Responsibilities
As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite
Owns mitigation of operational and compliance risk inherent in credit strategy
Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products
Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies
Applies 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
Partners 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
Analyzes internal and external scores/data for use in identifying first party fraud
Applies industry knowledge and driven benchmarking to advise credit strategy development
Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems
Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management
Designs and performs complex financial risk sensitivity analysis
Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended
Applies expert programming and analytical techniques to analyze credit data
Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management
Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives
Applies analytically derived insights to develop strategic plans with significant impact to business results
Coaches and mentors other analysts and acts as a leader with vision within the analyst community
Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures
Job description
Position: Bank Credit Risk Analyst Senior - Credit Strategies - Mission-driven organization supporting military families (Hiring
Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.
The Opportunity
As a dedicated Bank Credit Risk Analyst Senior, you will be using quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Owns mitigation of operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations:
San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC or Tampa, FL. Relocation assistance is not available for this position.
What you'll do:
• Applies industry leading practices and analytical skills to identify risks and opportunities within the handled portfolio and translates results into strategic solutions with the delivery of credit risk strategies.
• Applies 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.
• Partners 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.
• Analyzes internal and external scores/data for use in identifying first party fraud.
• Applies industry knowledge and driven benchmarking to advise credit strategy development.
• Uses advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and exciting problems.
• Develops, handles, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management.
• Designs and performs complex financial risk sensitivity analysis.
• Builds and handles credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Applies expert programming and analytical techniques to analyze credit data.
• Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
• Collaborates with key partners to guide & facilitate teams in the development and implementation of key initiatives.
• Applies analytically derived insights to develop strategic plans with significant impact to business results.
• Coaches and mentors other analysts and acts as a leader with vision within the analyst community.
• Ensures risks associated with business activities are optimally identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
• 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…
