Embrace an Empowering Career at USAA
USAA, a leading financial services provider for the military community and their families, offers an enriching and fulfilling career opportunity. We believe in empowering our members to achieve financial stability through our highly competitive products, exceptional service, and trusted advice. Our commitment to honesty, integrity, loyalty and service define not just the essence of our brand but also how we interact with each other and our esteemed members.
USAA is more than just a financial institution. It’s a place where you can make a significant impact. Join us and be part of our unique culture and mission. Here is an opportunity to contribute to our mission.
The Opportunity at USAA: Bank Credit Risk Analyst Position
USAA is currently seeking a mid-level Bank Credit Risk Analyst. This role involves using quantitative methods to identify credit risks, develop and deliver credit strategies, and monitor credit performance for our consumer credit portfolios. The ultimate goal is to optimize profitable growth within our risk appetite and mitigate the operational and compliance risk inherent in our credit strategy.
This role requires keen analytical skills, industry knowledge, critical thinking abilities and a deep understanding of banking regulations, risk, and compliance. The ability to use programming and analytical techniques to analyze credit data is essential.
As a Bank Credit Risk Analyst at USAA, you will also be charged with tracking and monitoring internal and external factors impacting credit strategy performance for our bank portfolio products. This position offers the flexibility of being in the office 4 days per week and can be based in various locations across the United States including San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.
What You’ll Bring to the Table
As a mid-level Bank Credit Risk Analyst at USAA, your primary responsibilities would include identifying risks and opportunities within the managed portfolio and translating these results into strategic solutions. You would be expected to 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.
Your role would also involve delivering bank credit risk strategies across lines of defense by effectively driving analytical projects, analyzing data and processes, and communicating insights and recommendations to key stakeholders and leadership. Developing industry knowledge and competitive benchmarking to inform credit strategy development is a key part of the role.
What Sets You Apart
High proficiency in SAS and SQL, familiarity with capabilities of BI tools like Tableau, experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements would set you apart in this role. In addition, experience recommending changes to underwriting strategies for both new originations and existing account strategies and familiarity with the use of explanatory modeling techniques will be highly valuable.
USAA also values the unique perspective and understanding of the military community that comes with US military experience, either through military service or being a military spouse/domestic partner.
Compensation and Benefits
USAA offers competitive compensation for this role, with a salary range of $77,120 – $147,390. The actual salary may vary by location and is based on your experience and the market data of the position.
In addition to a rewarding career, USAA employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These 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. We also support our employees with career path planning and continuing education to assist them with their professional goals.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
