United Services Automobile Association (Usaa) San Antonio , TX 78245
Purpose of JobWe are currently seeking talented Credit Risk Analyst Senior for our San Antonio, TX or Remote facility.
Measures, monitors, and analyzes historical trends and external factors impacting the credit risk exposure for 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.
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.
Bachelor's Degree or 4 additional years (10 Total) of related experience beyond the minimum required may be substituted in lieu of a Degree.
6 or more years of Credit Bureau Reporting 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).
Successful completion of a job-related assessment may be required.
3+ years of Fair Credit Reporting Act experience related to all products (Credit Cards, Consumer Loans, Deposits, Mortgage, and Home Equity).
Strong knowledge of the Metro 2 Reporting Guidelines.
Intricate working knowledge of ALS, FDR, and EWS.
Experience with remediation's, action plans, and development of processes and procedures related to Fair Credit reporting act.
Prior experience performing assessments or validations.
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.
At USAA our employees enjoy one of the best benefits packages in the business, including a flexible business casual or 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 not available for this position.