Bank Credit Risk Analyst

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations : San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position.

What you'll do : Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies.

Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers.

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.

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

Assists with developing, managing, and presenting comprehensive 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

May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives.

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

What you have :

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.

2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline.

Developing understanding of banking regulations, risk, and compliance.

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

Knowledge of federal laws, rules, regulations, and applicable guidance to include : FCRA, Reg B, UDAAP / UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

What sets you apart :

High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau)

Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements

Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases / decrease, balances transfers, payments, authorizations) to handle credit risk

Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models)

Experience preparing presentation materials for executive level audiences

US military experience through military service or a military spouse / domestic partner

Compensation range : The salary range for this position is : $77,120 - $147,390 .

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.).

Compensation : 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 data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

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.

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.

For more details on our outstanding benefits, visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.