Senior SAS Credit Risk Analyst

U.S. BancorpScottsdale, AZ, US

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Business Risk Professional

The Business Risk Professional will partner with Consumer and Business Banking (CBB), other Business Risk Professionals, and Business Risk Managers to, depending on their function, create, implement, maintain, review or oversee an effective risk management framework.

May participate in projects and / or activities that ensure compliance with applicable federal, state, and local laws and regulations.
May identify gaps and inform solutions that minimize losses resulting from inadequate internal processes, systems, or human errors.
May actively identify, respond, and / or escalate risks as appropriate.
May inform policies and procedures to maximize profit potential and minimize regulatory exposure.
May serve as a functional liaison between CBB and the Lines of Defense.

Basic Qualifications : Bachelor's degree, or equivalent work experience - 7 to 10 years of applicable experience - Applicable professional certifications

Preferred Skills / Experience :

Advance degree in business, computer science, economics, finance, or statistics

Experience in credit developing credit risk strategies for underwriting or account management for unsecured lending

Advanced knowledge of SAS, SQL, R, Python, or other database programming languages

Experience working with large datasets

Effective verbal, written, and presentation communication skills

Effective technical report writing skills

Ability to work independently with minimal guidance from manager

Provides analytical and project management in support of credit risk management for Consumer Unsecured Lending products.

Identifies and analyzes acquisition, account management, and portfolio performance trends using key indicators and techniques, using predictive credit risk models and other qualitative and quantitative methods.

Conducts data research projects end-to-end by integrating, aggregating, or reassembling information from a variety of database sources and systems often based on well-defined directions, by writing database queries in SAS, SQL, R, or other database query languages.

Supports the team with in-depth research and extensive analyses, requiring problem solving under limited supervision, however, with clearly defined procedures, summarized results, providing limited interpretation with the ability to convey both technical and non-technical concepts.

Develops, builds, and maintains performance reporting to monitor overall portfolio and risk strategy performance.

Understands and communicates the impact of credit risk management strategies, research, and outcomes in support of initiatives and proposals, as aligned to key business, product, and consumer drivers.

Location Expectations : This role is hybrid. Team members who are in a hybrid role typically spend three days a week at the listed U.S. Bank location(s), while having flexibility on their work location for the other working days.

Benefits : Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security, and give you peace of mind. Our benefits include the following (some may vary based on role, location, or hours) :

Healthcare (medical, dental, vision)

Basic term and optional term life insurance

Short-term and long-term disability

Pregnancy disability and parental leave

401(k) and employer-funded retirement plan

Paid vacation (from two to five weeks depending on salary grade and tenure)

Up to 11 paid holiday opportunities

Adoption assistance

Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

Pay Range : $105,400.00 - $124,000.00

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Senior Credit Analyst • Scottsdale, AZ, US