Bank Credit Risk Analyst I - Retail Banking

$89,990 - $172,000/Yr

USAA - Tampa, FL

Full-time - Entry Level

Tampa, FL

10,001+ employees

Credit Intermediation and Related Activities

About the position

The Bank Credit Risk Analyst I position at USAA involves utilizing quantitative methods to identify and manage credit risk within consumer credit portfolios. The role focuses on developing credit strategies, monitoring performance, and ensuring compliance with operational and regulatory standards. The analyst will work collaboratively with various teams to optimize growth while mitigating risks, contributing to the financial security of military members and their families.

Responsibilities

• Identify credit risks and opportunities within the portfolio using analytical skills and industry practices.
• Develop and deliver credit risk strategies to optimize profitable growth within risk appetite.
• Monitor credit performance and internal/external factors affecting credit strategy.
• Conduct financial risk sensitivity analysis and develop comprehensive risk reporting for management oversight.
• Support junior team members in analytics and risk management activities.
• Collaborate with key partners to implement credit strategies and initiatives.

Requirements

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical subject area; or 4 years of related experience may substitute for a degree.
• 4 years of experience in an analytical field focused on credit risk data analysis and financial assessments; or an advanced degree with 2 years of relevant experience.
• Understanding of banking regulations and compliance.
• Strong presentation and communication skills.
• Proficient in Microsoft Office, especially Excel, Word, and PowerPoint.
• Experience with data analysis tools such as SQL, SAS, or similar software.

Nice-to-haves

• 2+ years of experience with Python, SAS, or SQL for data analysis.
• Experience in credit risk management for consumer lending products.
• Familiarity with Credit Karma LightBox strategy or NPV models for consumer lending.
• Experience working with cross-functional teams to drive initiatives.
• US military experience or connection.

Benefits

• Comprehensive medical, dental, and vision plans
• 401(k) and pension plans
• Life insurance
• Parental benefits
• Adoption assistance
• Paid time off with paid holidays and 16 paid volunteer hours
• Various wellness programs
• Career path planning and continuing education support