San Antonio Home Office II/III Charlotte, NC
- CENTS Colorado Springs Campus Tampa Crosstown Phoenix Campus (Main) Plano East Full time
R0120263
- 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. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.
- The Opportunity
- We are seeking a
- Mid-Level Real Estate Credit Risk Analyst
- to support the development, implementation, and monitoring of credit strategies for Mortgage and Home Equity portfolios.
This role uses quantitative analysis to identify credit risk, optimize profitable growth within established risk appetite, and monitor portfolio performance trends. The analyst will evaluate internal and external factors affecting portfolio results, identify root causes of changes in key performance metrics, and recommend data-driven underwriting and account management strategies to improve portfolio performance while mitigating operational and compliance risk. The ideal candidate has strong expertise in
- SAS•and •SQL•, along with experience using automation tools such as •VS Code and Python•to analyze and communicate insights.
Candidates should have experience managing consumer credit risk, recommending strategy changes for originations and existing accounts, and estimating probability of default, loss given default, and risk adjusted return. Success in this role requires the ability to translate complex data into actionable recommendations and effectively present findings and strategic insights to executive-level audiences. 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, 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. + Assists 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 + Applies industry knowledge and competitive benchmarking to inform credit strategy development. + Utilizes quantitative analysis based upon internal and external data sources to bring structure and clarity to challenging problems. + Develops and presents 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 complex 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. + Provides support for junior team members regarding analytics and risk management. + Collaborates 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 Mathematics; OR 4 years of relevant education and/or experience.
- Experiences that will support your success:
- + Experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments such as analyzing and interpreting complex bank credit risk data and credit or financial analysis activities, and/or driving activities that support consumer credit risk strategy; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline and 2 years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments.
+ Mortgage banking or real estate lending industry experience. + Understanding of banking regulations, risk and/or compliance. + Strong presentation and communication skills. + Good business acumen and attention to detail and accuracy. + Strong research, investigation skills and demonstrated good judgement in problem solving. + Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint. + Strong 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., SPSS, Python, R or Visual Basic). + Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg
B, UDAAP/UDAP, OCC
Heightened Standards, OCC
CREDIT RISK GUIDANCE, HMDA/REG C, TILA/REG Z, RESPA/REG
X, FDPA, ECOA/Reg
B, SCRA, BSA/AML, GLBA/REG
P, Complaints.
- What sets you apart:
- + Proven track record of identifying emerging credit risks, challenging assumptions, and independently analyzing portfolio performance drivers across large consumer lending portfolios.
+ Experience building strong partnerships with Risk, Finance, Modeling, Product, and Operations teams to support effective risk management and business decisions. + Prior experience in an analytical role supporting Mortgage, Home Equity, or Consumer Lending products. + Demonstrated initiative in improving reporting, analytics, and risk monitoring processes, with a focus on continuous improvement and delivering measurable business value. + Experience using modern analytical tools such as Python, SAS, and VS Code to identify portfolio trends, investigate risk drivers, and develop scalable analytical solutions. + Strong critical thinking and problem-solving skills, with the ability to translate complex data into actionable insights and recommendations. + Excellent communication and presentation skills, including experience presenting analytical findings to leadership and cross-functional stakeholders. + US military experience through military service or a military spouse/domestic partner
- Compensation range:
- The salary range for this position is: $93,770
- $179,240
.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 USAAjobs.com. _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._
- If you are an existing USAA employee, please use the internal career site in OneSource to apply.
- Please do not type your first and last name in all caps.
- _Find your purpose. Join our mission._
- USAA is unlike any other financial services organization.
The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself
- you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer
- applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA
- Notice at Collection (https://statmcstg.
usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.
USAA is an EEO/AA Employer
- applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.
