Job Profile Name Bank Credit Risk Analyst I - Retail Banking

$89,990 - $172,000/Yr

USAA - San Antonio, TX

Full-time - Mid Level

San Antonio, TX

Credit Intermediation and Related Activities

About the position

As a Bank Credit Risk Analyst at USAA, you will play a crucial role in identifying and managing credit risk for consumer credit portfolios. Your responsibilities will include developing credit strategies, monitoring performance, and ensuring compliance with banking regulations. This position requires strong analytical skills and the ability to communicate insights effectively to senior management, all while contributing to the mission of supporting U.S. military members and their families.

Responsibilities

• Identify credit risk and develop credit strategies using quantitative methods.
• Monitor credit performance for consumer credit portfolios to optimize growth within risk appetite.
• Mitigate operational and compliance risks inherent in credit strategy.
• Track internal and external factors impacting credit strategy performance.
• Deliver comprehensive risk and financial reporting to senior management.
• Perform financial risk sensitivity analysis and support credit strategy infrastructure management.
• Provide analytical support and guidance to junior team members.
• Collaborate with key partners to implement key initiatives and ensure compliance with risk policies.

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 analysis activities; or an advanced degree with 2 years of experience.
• Understanding of banking regulations, risk, and compliance.
• Strong presentation and communication skills.
• Good business acumen and attention to detail.
• Solid understanding of Microsoft Office products, particularly Excel, Word, and PowerPoint.
• Experience with data analysis tools such as SQL, SAS, or other business intelligence 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 model for consumer lending.
• Experience working with cross-functional partners to drive initiatives.
• US military experience through service or as a military spouse/domestic partner.

Benefits

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