Bank Credit Risk Analyst (Mid-level) - Retail Banking

USAA•San Antonio, TX

1d•Hybrid

About The Position

As a dedicated Bank Credit Risk Analyst, you will use 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. 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 can be based in one of the following locations: San Antonio, TX, or Plano, 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.
4 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments.
Understanding of banking regulations, risk and/or compliance.
Strong presentation and communication skills.
Good business acumen and attention to detail and accuracy.
Strong research, investigation skills and demonstrated good judgement in problem solving.
Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Strong 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., SPSS, Python, R 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.

Nice To Haves

High Proficiency in Python, SQL, VS Code and familiarity with capabilities of AI tools (e.g., Github Copilot).
Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements.
Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to manage credit risk.
Experience analyzing credit abuse or first-party fraud mitigation strategies.
Experience preparing presentation materials for executive level audiences.
US military experience through military service or a military spouse/domestic partner.

Responsibilities

Applies industry leading practices and analytical skills to identify risks and opportunities within the managed 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.
Assists 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
Applies industry knowledge and competitive benchmarking to inform credit strategy development.
Utilizes quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems.
Develops 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.
Performs complex 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.
Provides support for junior team members regarding analytics and risk management.
Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.
Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.