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USAA · 21 hours ago

Bank Credit Risk Analyst III - Real Estate Lending

San Antonio Home Office II/III

Full-time

Onsite

Entry Level

$70K/yr - $126K/yr

2+ years exp

USAA is a financial services company dedicated to empowering its members to achieve financial security. The Bank Credit Risk Analyst III role focuses on providing analytical and reporting support for Real Estate Lending portfolios, assisting in risk analysis and credit strategy development.

BankingFinancial ServicesInsuranceVenture Capital

No H1B

Responsibilities

Seeks to understand industry leading practices and analytical skills to support the identification of risks and opportunities within the managed portfolio and credit risk strategies

Applies critical thinking skills to support analysis projects, identify root causes, and assist in the development of clear and concise recommendations to drive credit risk strategy development

May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership

Develops industry knowledge and competitive benchmarking to inform credit strategy development

Utilizes quantitative analysis based upon internal and external data sources to solve analytical projects

Assists with developing, managing, and presenting 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

Performs financial risk sensitivity analysis

Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended

Applies programming and analytical techniques to analyze credit data

Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures

Qualification

Quantitative analysisCredit risk strategiesBanking regulations knowledgeSASSQLPythonMicrosoft ExcelPresentation skillsCommunication skillsAttention to detailProblem-solving

Required

Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree

Up to 2 years of business analytics experience or work focused on analysis

Developing understanding of banking regulations, risk, and compliance

Demonstrated presentation and communication skills

Basic business acumen and attention to detail and accuracy

Ability to identify issues and recommend solutions to solve problems

Basic knowledge of current analytical coding languages, such as SAS, SQL, or Python

Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint

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, Complaints