Bank Credit Risk Analyst Senior
Company: USAA
Location: Irving
Posted on: January 15, 2021
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Job Description:
Purpose of Job We are currently seeking a talented Bank Credit
Risk Analyst Senior for one of the following locations: Plano, San
Antonio Home Office II/III or Remote Work Location Available.Using
a level of expertise, develops, proposes and delivers credit risk
strategies for consumer credit portfolios to optimize profitable
growth within risk appetite. Owns operational and compliance risk
inherent in credit strategy. Tracks and monitors credit strategy
performance as well as external factors impacting the credit risk
exposure for bank portfolio products within the risk taxonomyJob
RequirementsAbout USAAUSAA knows what it means to serve. We
facilitate the financial security of millions of U.S. military
members and their families. This singular mission requires a
dedication to innovative thinking at every level.In each of the
past five years, we've been a top-40 Fortune 100 Best Companies to
Work For--, and we've ranked among Victory Media's Top 10 Military
Friendly-- Employers 13 years straight. We embrace a robust veteran
workforce and encourage veterans and veteran spouses to apply.USAA
Careers - Award Winning Workplace (17 seconds)USAA Careers - World
Class Benefits (31 seconds)Identifies and manages existing and
emerging risks that stem from business activities and the job
role.Ensures risks associated with business activities are
effectively identified, measured, monitored, and controlled.Follows
written risk and compliance policies and procedures for business
activities.Applies expert programming and analytical techniques to
analyze credit data.Applies advanced knowledge of the business, its
products, and processes to identify opportunities for improvement
and tailor credit strategies to the needs of the
business.Synthesizes analyses, identifies root causes, and develops
clear and concise recommendations to drive credit risk strategies
to influence senior decision makers.Recognizes opportunities to
improve credit risk strategies and builds support for
recommendations.Guides team members in the development and delivery
of their work products.Independently executes existing and develops
new portfolio reporting to monitor credit strategy and escalates
the quality and direction of credit performance to appropriate
levels of management.Assembles key participants and guides and
facilitates teams in the development and implementation of key
initiatives.Conducts detailed analysis, utilizing sophisticated
analytical and financial modeling and statistical techniques to
predict and evaluate the credit risk within a loan portfolio
according to operational risk and compliance standards.Performs
complex, multi-factor credit risk assessments and recognizes
appropriate credit risk strategies to be developed and
implemented.RequirementsBachelor's degree in Business Management,
Finance, Economics, Engineering, or in a Mathematical discipline; 4
additional years of related experience beyond the minimum required
may be substituted in lieu of a degree6 years of experience in
consumer credit risk analysis OR if master's degree in Business
Management, Finance, Economics, Engineering, or in a Mathematical
discipline, 4 years of experience consumer credit risk
analysisStrong understanding of banking regulations, risk, and/or
complianceAdvanced business acumen and attention to detail and
accuracyAdvanced research, investigation skills and good judgement
skillsAdvanced knowledge of Microsoft Office products, particularly
Excel, Word, and PowerPointAdvanced 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)* Qualifications may warrant placement in
a different job level*When you apply for this position, you will be
required to answer some initial questions. This will take
approximately 5 minutes. Once you begin the questions you will not
be able to finish them at a later time and you will not be able to
change your responses.Preferred4+ years creating and implementing
credit risk strategies within consumer lendingCredit risk strategy
experience using First Data/ACS (adaptive control systems)The above
description reflects the details considered necessary to describe
the principal functions of the job and should not be construed as a
detailed description of all the work requirements that may be
performed in the job.At USAA our employees enjoy one of the best
benefits packages in the business, including a flexible business
casual or casual dress environment, comprehensive medical, dental
and vision plans, along with wellness and wealth building programs.
Additionally, our career path planning and continuing education
will assist you with your professional goals.Relocation assistance
is available for this position.For Internal Candidates:Must
complete 12 months in current position (from date of hire or date
of placement) or must have manager's approval prior to posting.Last
day for internal candidates to apply to the opening is 9/29/20 by
11:59 pm CST time .
Keywords: USAA, Irving , Bank Credit Risk Analyst Senior, Professions , Irving, Texas
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