Job Profile Name 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 banking regulations. 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.
• Develop and deliver credit strategies to optimize profitable growth within risk appetite.
• Monitor credit performance and mitigate operational and compliance risks.
• Track internal and external factors impacting credit strategy performance.
• Synthesize analyses to identify root causes and develop recommendations for credit risk strategy development.
• Deliver Bank credit risk strategies across lines of defense through data analysis and communication of insights to leadership.
• Conduct financial risk sensitivity analysis and develop comprehensive risk reporting for management oversight.
• Support junior team members in analytics and risk management.
• Collaborate with partners to guide the development and implementation of key initiatives.

Requirements

• Bachelor's degree in Business Management, Finance, Economics, Engineering, or a Mathematical subject area, or 4 years of related experience in lieu of 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.
• Strong research and investigation skills with good judgment in problem-solving.
• Proficiency in Microsoft Office products, especially 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 models for consumer lending.
• Experience working with cross-functional partners to drive initiatives.
• US military experience or connection.

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.