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Credit Risk Analyst, Lead

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Overview

With USAA, you can make a difference in the lives of our members. Among an inspiring team, you will develop quantitative and analytic models, assessments and applications. Through your deep experience in various disciplines, you will apply diverse methodologies to solve complex and undefined risk-related problems. Come build a meaningful career and work alongside leadership to drive USAA forward.

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Success Profile

What makes a successful Credit Risk Analyst, Lead at USAA? Review the top traits we’re looking for and see if you’re the right fit.

  • Consistent
  • Results driven
  • Focused
  • Detailed oriented
  • Problem solver
  • Strategic

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Here's what our people are saying

Jackie Galvin, Risk Analyst, Senior

The leadership team is committed to enabling employees to learn and grow. I am proud to work for a company that focuses so clearly on doing the right thing for our members and our employees. That commitment and drive is evident as we work together to ensure effective Risk Management throughout the lines of defense.

Jackie GalvinRisk Analyst, Senior

Zyn Nie, Director Quantitative Risk Management

USAA reminds me every day that while we take care of each other and those who count on us to serve them, we will absolutely be rewarded. We are truly blessed to work for such a great company, alongside all the amazing people who are diligently dedicated to fulfill our commitment to become a fully compliant company.

Zyn NieDirector Quantitative Risk Management

Ashley Morrison, Lead Risk Analyst

I love working at USAA. I feel empowered as a risk professional and I enjoy working alongside leaders who are passionate and mission focused.

Ashley Morrison Lead Risk Analyst

Benefits

  • Health Insurance

  • Maternity and Paternity Leave

  • Onsite Gym/ Fitness Center

  • Paid Time Off

  • Retirement Plan (With Match)

  • Health and Wellness Programs

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Our Culture

  • Diversity and inclusion — We work together to create an environment that welcomes diverse perspectives and talent.
  • Corporate responsibility — Our corporate responsibility programs share a common purpose of giving back to the military community.
  • Balance and wellness — Our benefits help you live your life to the fullest while balancing work and personal goals.
  • Educational opportunities — We foster a culture of learning, inspiring you to further develop your skill set and education.

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Credit Risk Analyst, Lead

Location San Antonio, Texas | Plano, Texas Secondary Locations San Antonio,Texas;Plano,Texas; Job ID R0047528

Purpose of Job

Leads the development, proposal and delivery of credit risk strategies originations and account management for consumer credit portfolios to effectively deliver economically sound, competitive lending products and member experience 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 taxonomy.

Job Requirements

About USAA

USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

In each of the past five years, we've been a top-40 Fortune 100 Best Companies to Work For®, and we've ranked among Victory Media's Top 10 Military Friendly® Employers 13 years straight. We embrace a robust veteran workforce and encourage veterans and veteran spouses to apply.

USAA Careers - Award Winning Workplace (17 seconds)

USAA Careers – World Class Benefits (31 seconds)

  • 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.
  • Applies expert programming and analytical techniques to analyze credit data.
  • Applies expert knowledge of the business, its products, and processes to identify opportunities and tailor credit strategies to the needs of the business.
  • Directs analyses, root cause identification, and development of clear and concise credit risk recommendations to influence senior decision makers.
  • Accountable for achieving business objectives and results; provides guidance to cross-functional team members to ensure goal achievement and team success.
  • Recognizes and leads the development and implementation of appropriate credit risk strategies.
  • Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk within a loan portfolio according to operational risk and compliance standards.
  • Assesses lending product/portfolio performance specific to credit loss and financial elements.
  • Engages with bank leaders to ensure that credit risk policies are aligned with the continually changing credit environment and maintains dialogue with other stakeholders such as Risk and Compliance.
  • Provides coaching and guidance to less experienced team member while ensuring alignment to the organizational strategy.

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:

  • 8 years of experience in consumer credit risk analysis OR if Master’s Degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline, 6 years of experience in consumer credit risk analysis.
  • Expert understanding of banking regulations, risk and/or compliance.
  • Exceptional business acumen and attention to detail and accuracy.
  • Exceptional research, investigation skills and good judgement skills.
  • Proven success in developing and communicating strategy and translating that strategy into tactics.
  • Expert knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
  • Expert 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. SPS or Visual Basic).

*Qualifications may warrant placement in a different job level*

When you apply for this position, you will be required to answer some initial questions.  This will take approximately 5 minutes.  Once you begin the questions you will not be able to finish them at a later time and you will not able to change your responses.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

At USAA our employees enjoy one of the best benefits package in the business, including a flexible business casual or casual dress environment, comprehensive medical, dental and vision plans, along with wellness and wealth building programs.  Additionally, our career path planning and continuing education will assist you with your professional goals.

Relocation assistance is available for this position.

For Internal Candidates:

Must complete 12 months in current position (from date of hire or date of placement), or must have manager’s approval prior to posting.

Last day for internal candidates to apply to the opening is 5/28/20 by 11:59 pm CST time.

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