Bank Credit Risk Analyst II – Retail Banking

USAA

Bank Credit Risk Analyst using quantitative methods to identify credit risk and develop credit strategies. Mitigating operational risk and monitoring credit performance within risk appetite.

Posted 6/17/2026full-timeSan Antonio • Texas • 🇺🇸 United StatesJuniorMid-Level💰 $77,120 - $138,810 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Use 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.
Track and monitor internal and external factors impacting credit strategy performance for bank portfolio products.
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.
Utilizes 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.

Requirements

What you’ll need

Bachelor's degree in Business Management, Finance, Economics, Engineering, Mathematics or other quantitative field; OR 4 years of relevant education and/or experience.
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, Mathematics or other quantitative discipline.
Developing understanding of banking regulations, risk, and compliance.
Solid presentation and communication skills.
Good business acumen and attention to detail and accuracy.
Solid research and investigation skills and demonstrated good judgement in problem solving.
Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python.
Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.

Benefits

Comp & perks

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
various wellness programs
career path planning and continuing education

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

quantitative analysiscredit risk strategiesfinancial risk sensitivity analysisanalytical techniquesSASSQLPythondata analysisrisk assessmentscredit data analysis

Soft Skills

critical thinkingpresentation skillscommunication skillsbusiness acumenattention to detailproblem solvingresearch skillsinvestigation skillsjudgmentstakeholder communication