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Credit Risk Analyst-Senior

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Company: USAA

Location: San Antonio, TX

Date Posted: August 22, 2014

Source: USAA

We are currently seeking talented Senior Credit Risk Analyst - Economic Capital for our San Antonio, TX facility.

PURPOSE OF JOB
Measures, monitors, and analyzes historical trends and external factors impacting the credit risk exposure for real estate loan products. Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk across various loan portfolios. Assesses lending product/portfolio performance specific to credit loss and financial elements. Under minimal supervision, performs complex work assignments and problem resolution.

JOB DUTIES

  • The economic capital team updates and improves a capital model reflecting all of USAA's major risks.
  • The role is within the corporate Treasury group.
  • A primary responsibility of this role will be to assist in developing a credit model in the enterprise risk model that reflects the bank credit risk using economic drivers.
  • Acquires and applies advanced knowledge of the business, its ...

We are currently seeking talented Senior Credit Risk Analyst - Economic Capital for our San Antonio, TX facility.

PURPOSE OF JOB
Measures, monitors, and analyzes historical trends and external factors impacting the credit risk exposure for real estate loan products. Develops detailed analysis, utilizing sophisticated analytical and financial modeling and statistical techniques to predict, evaluate and manage the credit risk across various loan portfolios. Assesses lending product/portfolio performance specific to credit loss and financial elements. Under minimal supervision, performs complex work assignments and problem resolution.

JOB DUTIES

  • The economic capital team updates and improves a capital model reflecting all of USAA's major risks.
  • The role is within the corporate Treasury group.
  • A primary responsibility of this role will be to assist in developing a credit model in the enterprise risk model that reflects the bank credit risk using economic drivers.
  • Acquires and applies advanced knowledge of the business, its products, and processes.
  • Synthesizes analyses, identifies root causes, and develops and recommends key work products.
  • Recognizes appropriate credit risk strategies to be developed and implemented.
  • Guides team members in the development and delivery of their work products. Assembles key participants and guides and facilitates teams in the development and implementation of key initiatives.

Minimum Requirements

  • Bachelor's degree (or 4+ years relevant work experience).
  • 6+ years relevant credit risk, finance business support and/or general analysis experience.
  • Advanced knowledge of Microsoft Office products, particularly Excel and applicable databases.
  • Advanced 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).
  • Ability to work with large databases and datasets for extraction, conversion into useful business information, and analytical purposes.
  • Advanced knowledge of industry data sources.
  • Thorough knowledge of product segmentations, financial instrument relationships, and credit loss activities and key drivers.

Preferred

  • Masters or other graduate level degree in Statistics, Finance, Applied Mathematics or other related.
  • Professional analytical experience in banking or insurance.
  • Experience building and maintaining credit risk models.
  • Experience with pricing.
  • Experience programming in SAS or an object oriented language.

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.

Share our pride. Join our mission.

As a Fortune 200 financial services organization, USAA is on a mission - to facilitate the financial security of our members, the men and women of the U.S. military and their families worldwide by providing a full range of financial services and products. Headquartered on a showcase campus in San Antonio, TX, USAA attributes its long-standing success to its most valuable resource, our 26,000 employees. They are the heart and soul of our member-service culture.

Recently Ranked #17 in Fortune's 100 Best Companies to Work For in 2014 and marking our fifth straight year in the list's Top 50, we are proud to receive consistently outstanding awards and ratings for member service, employee well-being and financial strength. Everything that happens at USAA is based on our core values: Service, Loyalty, Honesty, and Integrity. These are the foundations of how we do business with our members, as well as how we treat each other.

At USAA our employees enjoy one of the best benefits packages in the business, including business 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.

USAA also offers a variety of on-site services and conveniences to help you manage your work and personal life, including seven cafeterias, two company stores and three fitness centers.

Relocation assistance is available for this position.

Qualified applicants must successfully complete a pre-employment background and drug screen.

USAA is an EEO/AA Employer - all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status or other status protected by law.

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