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As a Fortune 200 financial services company with more than $113.5 billion in owned and managed assets, USAA is on a mission - to facilitate the financial security of our members, the men and women of the U.S. military and their families worldwide. Headquartered on a showcase campus in San Antonio, TX, USAA attributes its long-standing success to its most valuable resource, our 22,000 employees. They are the heart and soul of our member-service culture.
Recently Ranked #2 by Business Week in Customer Service , we are recognized for the superior service we provide to our members, and the exemplary work environment we provide for our employees. Everything that happens at USAA is based on our core values: Service, Loyalty, Honesty, and Integrity. These are the foundations of how we do business with our members, as well as how we treat each other.
We are currently seeking talented Senior Credit Risk Analyst for our Phoenix, AZ facility.
PURPOSE OF JOB
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 equivalent work experience)
6+ years relevant 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, and other business intelligence and analysis software applications for data segmentation, aggregation, and statistics
Ability to work with large databases and datasets for extraction, conversion into useful business information, and analytical purposes
Advanced knowledge of industry data sources
Thorough knowledge of product segmentations, financial instrument relationships, and credit loss activities and key drivers
Bachelors degree in finance, business, or related field of study,
Masters degree a plus
6+ years financial services experience.
6+ years post-chargeoff collections analytical experience.
6+ years SAS programming.
Agency management /analysis a plus.
Basic understanding of Design of Experiment
Experience implementing and measuring champion/challenger strategies
Highly adept at recoveries strategy performance metrics
Ability to derive market share functions in a multiple-agency environment
Post-chargeoff, probate, bankruptcy, deceased and legal analytical experience
Perform analytics using base SAS software
Specialty process management experience
Experience building batch track reports for both internal and external call centers
Build and maintained agency scorecards
Acquainted with using scoring and population segmentation to optimize market share mix across several agencies
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 business 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 cafeterias, a company store and fitness center.
Relocation assistance is available for this position.
Qualified applicants must successfully complete a pre-employment background and drug screen.
USAA is an Equal Opportunity/Affirmative Action Employer.
Percentage of Travel:
Less than 25%
FOR OUR VETERANS:
Did you know USAA has numerous career opportunities that don’t require corporate experience? If you’re...