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Credit Risk Analytics Senior (Remote)

Company: USAA
Location: El Mirage
Posted on: September 24, 2022

Job Description:

Purpose of JobOur Credit Risk Analytics team supports, enables, and solutions the data and analytics needs of the Chief Credit Office - Mortgage. This unique opportunity will enable the Credit Risk professional to collaborate with others across business units, risk management, and the USAA Enterprise in the translation of business needs into credit risk requirements and the fulfillment thereof.

This Credit Risk Analytics Senior is a real estate lending subject matter expert in the Chief Credit Office. Responsibilities include
--- Quality and timely execution of data analytics requests in support of the credit oversight of mortgage lending encompassing:
o Data acquisition
o Data preparation
o Data wrangling
o Data presentation and delivery
o Data visualization
o Building solutions that empower the Chief Credit Office team with timely information to inform their work, automating where possible
--- Providing credible challenge to business-proposed credit strategies for origination and servicing of mortgage loans
--- Conducting risk assessments and independently challenging business-level self-assessments of risk,
--- Collaborating with other analysts on the team to understand their data needs, provide solutions, and enable the consistent execution of team priorities

This is available as Hybrid in Plano TX, San Antonio TX, Charlotte NC, Tampa FL, Colorado Springs CO, or Phoenix AZ or as 100% remote work from home.

Manages quantitative credit/behavioral/financial analytics or predictive modeling to assess risks and opportunities and provides recommendations for Bank consumer portfolios. Provides effective challenge for risk and strategy proposals.Job RequirementsAbout USAAUSAA 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.Primary Responsibilities:

  • Applies industry leading practices and analytical rigor to manage and assess risks and opportunities across the Bank's consumer portfolios and translates results into strategic solutions.
  • Partners to deliver on Bank strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating information and insights to key stakeholders and leadership.
  • Applies industry knowledge to develop advanced and nuanced quantitative analysis utilizing extensive internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
  • Challenges risk proposals in designated risk area of credit, market, operations, product, or strategic,,) through detailed research and vetting, leveraging banking product, regulatory and industry knowledge, and critical thinking skills to ensure strong portfolio performance outcomes.
  • Designs, builds, and may assist in maintaining effective risk management frameworks that enable identification, measurement, and mitigation of risk in a complex environment.
  • Develops and oversees comprehensive risk reporting in support of management and committee oversight of existing and emerging risks.
  • Designs complex financial risk sensitivity analysis.
  • Provides thought leadership, coaching, and mentoring to team members regarding analytics and risk management.
  • May execute or implement advanced credit and/or financial modeling infrastructure. -Minimum Requirements:
    • Bachelor's degree or 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree
    • 6 years experience in an analytical field or work focused on leading risk management execution, assessments or advanced analytics OR 4 years experience in an analytical field or focused on risk management execution, analytics or risk assessments with an advanced degree in a quantitative, scientific, engineering, business or technical field OR an equivalent level of demonstrated competencies in industry leading risk management execution, advanced analytics, and risk assessments.
    • 2 years prior analytical experience in a financial services or highly regulated environment.
    • Experience delivering cross functional action plans by communicating complex analytical insights and compelling risk mitigating solutions.
    • Experience developing and maintaining analytical reporting.
    • Experience applying critical thinking skills to support successful performance outcomes.
    • Demonstrated awareness of relevant laws, rules and regulations, such as guidance and requirements associated with OCC Heightened Standards
    • Strong knowledge of current analytical coding languages such as Python, SAS, or SQL.Preferred Experience:
      • Data analytics or science experience using SQL, SAS, and visualization tools (Tableau) preferred
      • Automation solutions through technology preferred, but not required
      • Knowledge and management of the complete credit life-cycle of mortgage loans from origination through default servicing at large financial
      • Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to managementCompensation: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: $88,200.00 - $158,900.00 *(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.Relocation assistance is available for this position.

Keywords: USAA, Phoenix , Credit Risk Analytics Senior (Remote), Other , El Mirage, Arizona

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