Credit Risk Analytics Senior (Remote)
Company: USAA
Location: Wylie
Posted on: August 7, 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, Wylie , Credit Risk Analytics Senior (Remote), Other , Wylie, Texas
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