Bank Credit Risk Analyst Mid-Level
Company: USAA
Location: Atascosa
Posted on: February 24, 2021
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Job Description:
Purpose of JobUnder limited supervision, develops, proposes and
delivers credit risk strategies for consumer credit portfolios to
optimize profitable growth within risk appetite. Owns operational
and compliance risk inherent in credit strategy. Tracks and
monitors credit strategy performance as well as external factors
impacting the credit risk exposure for bank portfolio products
within the risk taxonomyRemote Opportunity AvailableJob
RequirementsTasks:Identifies and manages existing and emerging
risks that stem from business activities and the job role.Ensures
risks associated with business activities are effectively
identified, measured, monitored, and controlled.Follows written
risk and compliance policies and procedures for business
activities.Independently applies programming and analytical
techniques to analyze credit data,Applies broad knowledge of the
business, its products, and processes to tailor credit strategies
to the needs of the business.Under minimal supervision, analyzes
credit trends or variances and provides results for root cause
analyses.Performs credit risk assessments and recognizes
appropriate credit risk strategies to be developed and
implemented.Synthesizes credit analysis results into clear and
concise recommendations to drive credit strategy and improvement
and to influence decision makers.Serves as a subject matter expert
on cross-functional teams and plays a lead role on aspects of the
project related to credit requirements.Executes existing and
develops new portfolio reporting to monitor credit strategy and
escalates the quality and direction of credit performance to
appropriate levels of management.Minimum Education:Bachelor's
Degree in Business Management, Finance, Economics, Engineering, or
in a Mathematical discipline.4 additional years of related
experience beyond the minimum required may be substituted in lieu
of a degree.Minimum Experience:4 years of experience in consumer
credit risk analytics OR if Master's Degree in Business Management,
Finance, Economics, Engineering, or in a Mathematical discipline, 2
years of experience in consumer credit risk analysis.Strong
understanding of banking regulations, risk and/or compliance.Strong
analytical skills with high attention to detail and accuracy.Strong
research, investigation skills and good judgement skills.Knowledge
of Microsoft Office products, particularly Excel, Word, and
PowerPoint.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).Preferred Experience:* Experience in developing Funds
Availability (Hold) and Deposit Limits risk strategies and rules*
Experience with variable analysis and risk segmentation techniques*
Experience working with transactional level data for Deposit
products or Credit Card* Large, complex bank/financial institution
experience* Experience with SAS, Tableau, R, Python and/or other
programming/reporting tools* Experience communicating and
presenting complex concepts to executive
leadershipCompensation:USAA has an effective process for assessing
market data and establishing ranges to ensure we remain
competitive. You are paid within the salary range based on your
experience and market position. The salary range for this position
is: $82,400 - $144,000 *(this does not include geographic
differential; it may be applied based on your work
location)Employees may be eligible for pay incentives based on
overall corporate and individual performance or at the discretion
of the USAA Board of Directors.* Geographical Differential:
Geographic pay differential is additional pay provided to eligible
employees working in locations where market pay levels are above
the national average.Shift premium will be addressed on an
individual-basis for applicable roles that are consistently
scheduled for non-core hours.Benefits:At USAA our employees enjoy
best-in-class benefits to support their physical, financial, and
emotional wellness. These benefits 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. Additionally, our career path planning and continuing
education assists employees with their professional goals.Please
click on the link below for more details.USAA Total
RewardsRelocation assistance is NOT available for this
position.
Keywords: USAA, San Antonio , Bank Credit Risk Analyst Mid-Level, Professions , Atascosa, Texas
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