Bank Credit Risk Analyst III - Real Estate Lending

USAA

1d • Hybrid

About The Position

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 This junior-level role provides essential analytical and reporting support for USAA's Real Estate Lending portfolios. You will assist in generating monthly and ad-hoc reports, including trended performance views, quarterly financial summaries, and monthly Key Risk Indicator (KRI) and Business Risk Indicator (BRI) reports. This position offers a valuable opportunity to develop your skills in risk analysis within the real estate sector, collaborating closely with team members in Capital Markets and Real Estate Servicing. As a dedicated Bank Credit Risk Analyst III, you will define guidelines and framework, uses quantitative methods to assist in the identification of credit risk, development and delivery of credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Supports initiatives to mitigate 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 will be based in San Antonio, TX. Relocation assistance is not available for this position.

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.
• Up to 2 years of business analytics experience or work focused on analysis.
• Developing understanding of banking regulations, risk, and compliance.
• Demonstrated presentation and communication skills.
• Basic business acumen and attention to detail and accuracy.
• Ability to identify issues and recommend solutions to solve problems.
• Basic knowledge of current analytical coding languages, such as SAS, SQL, or Python.
• Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
• Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE, HMDA/REG C, TILA/REG Z, RESPA/REG X, FDPA, ECOA/Reg B, SCRA, BSA/AML, GLBA/REG P, Complaints.

Nice To Haves

• Master's degree in a relevant quantitative or business field (e.g., Business, Math, Finance, Statistics, Data Analytics).
• Previous internship or work experience in an analytical capacity.
• Experience coding in SAS or Python.

Responsibilities

• Seeks to understand industry leading practices and analytical skills to support the identification of risks and opportunities within the managed portfolio and credit risk strategies.
• Applies critical thinking skills to support analysis projects, identify root causes, and assist in the development of clear and concise recommendations to drive credit risk strategy development.
• May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership.
• Develops industry knowledge and competitive benchmarking to inform credit strategy development.
• Utilizes quantitative analysis based upon internal and external data sources to solve analytical projects.
• Assists with developing, managing, and presenting 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.
• Performs financial risk sensitivity analysis.
• Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended.
• Applies programming and analytical techniques to analyze credit data.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

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, visit our benefits page on USAAjobs.com.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 5,001-10,000 employees