Credit Risk Analyst Senior

USAA Federal Savings Bank

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values honesty, integrity, loyalty and service define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

Apply industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. Partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights / recommendations to key stakeholders and leadership.

Analyzes internal and external scores / data for use in identifying first party fraud. Applies industry knowledge and competitive benchmarking to inform credit strategy development. Utilizes advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems. Develops, manages, and presents comprehensive risk and financial reporting in support of senior management and committee oversight of existing and emerging risks and escalates the quality and direction of credit performance to appropriate levels of management. Designs and performs complex financial risk sensitivity analysis. Creates and manages credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies expert programming and analytical techniques to analyze credit data. Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management. Collaborates with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Utilizes analytically derived insights to develop strategic plans with significant impact to business results. Coaches and mentors other analysts and serves as a thought leader within the analyst community. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. May telecommute.

Requirements

Will accept a Bachelor's degree in Business Management, Business Analytics, Finance, Economics, Engineering, Mathematics or related field 6 years of experience in the job offered or in a related occupation. Alternatively, will accept a Master's degree in Business Management, Business Analytics, Finance, Economics, Engineering, Mathematics or related field 4 years of experience in the job offered or in a related occupation. Position Requires :

• Financial analysis activities to credit risk strategy and modeling;
• Consumer banking and lending industry experience;
• Coding experience in SAS Base, Python, R, SQL, and PL / SQL;
• Both supervised and unsupervised machine learning techniques including : Decision trees, Ensemble methods (Random forests, XGboost, bagging, and boosting), Association Analysis, PCA (Principal Component Analysis), Factor Analysis, Linear and logistic regression, AND K means and hierarchical Clustering using SAS;
• Building loss forecasting models like Probability of Default, Loss Given Default, and Exposure at Default for CCAR, IFRS9 and CECL regulation; and
• Knowledge of federal laws, rules, regulations, and applicable guidance to include : FCRA, Reg B, UDAAP / UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE, HMDA / REG C, TILA / REG Z, RESPA / REG X, FDPA, ECOA / Reg B, SCRA, BSA / AML, GLBA / REG P, and Complaints.

Worksite : 5601 Legacy Drive, Plano, TX 75024

Relocation assistance is Not Available for this position.

This position is eligible for the Employee Referral Program.

Compensation : 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 data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.