USAA
USAA
USAA AQSh harbiy xizmatining amaldagi va sobiq a’zolari hamda ularning oilalariga xizmat ko‘rsatishga yo‘naltirilgan moliyaviy xizmatlar kompaniyasidir. Kompaniya takliflari xavfsiz raqamli vositalar va a’zolarga yo‘naltirilgan xizmat ko‘rsatish orqali qo‘llab-quvvatlanadigan bank, sug‘urta va investitsiya mahsulotlarini qamrab oladi. USAA a’zolariga moliyaviy hayotini boshqarishda yordam berish uchun moliyaviy texnologiyalar, xatarlarni boshqarish, operatsiyalar va mijozlar tajribasi yo‘nalishlarida ishlaydigan jamoalarni birlashtiradi.

Mid-Level Real Estate Credit Risk Analyst - USAA Hybrid

USAA is seeking a mid-level credit risk analyst to develop strategies for Mortgage and Home Equity portfolios. The role uses SAS, SQL, Python, and quantitative analysis to strengthen lending performance.

Tavsif

  • Develop, implement, and monitor credit strategies for Mortgage and Home Equity portfolios
  • Apply quantitative analysis to identify credit risk and support profitable growth within the established risk appetite
  • Track portfolio performance trends and assess internal and external factors influencing results
  • Investigate the root causes of changes in key performance metrics
  • Recommend data-driven underwriting and account management strategies
  • Convert complex analyses into actionable recommendations and present strategic insights to executive audiences
  • Assess risks and opportunities within the managed portfolio and develop credit risk strategies
  • Synthesize analytical findings, formulate recommendations, and influence senior decision-makers
  • Implement Bank credit risk strategies across lines of defense
  • Lead analytical projects by examining data and processes, then communicate findings to stakeholders and leadership
  • Use industry knowledge and competitive benchmarking to shape credit strategy development
  • Conduct quantitative analysis with internal and external data sources
  • Prepare and present risk and financial reports for senior management and committee oversight
  • Conduct complex financial risk sensitivity analyses
  • Define requirements for credit strategy infrastructure and verify that strategies are implemented as intended
  • Analyze credit data with programming and analytical methods
  • Support junior colleagues in analytics and risk management
  • Partner with stakeholders to help teams develop and implement initiatives
  • Identify, measure, monitor, and control risks under applicable risk and compliance policies and procedures

Talablar

  • Bachelor’s degree in Business Management, Finance, Economics, Engineering, or Mathematics, or four years of relevant education and/or experience
  • Experience in an analytical field or leading analytical projects, advanced analytics, and risk assessments, or an advanced degree in a relevant discipline plus two years of analytical or related experience
  • Experience in mortgage banking or real estate lending
  • Understanding of banking regulations, risk, and/or compliance
  • Strong presentation and communication abilities
  • Sound business judgment with close attention to detail and accuracy
  • Strong research and investigative capabilities with demonstrated problem-solving judgment
  • Strong knowledge of Microsoft Office, especially Excel, Word, and PowerPoint
  • Strong knowledge of data analysis tools such as SQL, SAS, SPSS, Python, R, or Visual Basic
  • Knowledge of 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, and Complaints
  • Demonstrated ability to detect emerging credit risks and analyze portfolio performance drivers across large consumer lending portfolios
  • Experience collaborating with Risk, Finance, Modeling, Product, and Operations teams
  • Analytical experience supporting Mortgage, Home Equity, or Consumer Lending products
  • Experience enhancing reporting, analytics, and risk monitoring processes
  • Experience with Python, SAS, and VS Code
  • Strong critical-thinking and problem-solving skills
  • Excellent communication and presentation skills
  • US military experience through military service or as a military spouse/domestic partner
  • Must not require immigration support or visa sponsorship now or in the future

Imtiyozlar

  • Flexible work environment
  • Performance-based pay incentives determined at the discretion of the USAA Board of Directors
  • Comprehensive medical, dental, and vision coverage
  • 401(k) plan
  • Pension plan
  • Life insurance
  • Parental benefits
  • Adoption assistance
  • Paid time off program
  • Paid holidays
  • 16 paid volunteer hours
  • Wellness programs
  • Career path planning
  • Continuing education
  • Relocation assistance is not available

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