United Services Automobile Associa

United Services Automobile Associa

Director, Bank Credit Risk - Retail Banking

Plano Legacy, USA · Director

No sponsorship$165k-$315kDetected 25 days ago
SQLData AnalysisStatisticsFinancial ModelingFinancial AnalysisExcelPerformance ManagementSASResearchCommunicationCritical ThinkingMentoringMicrosoft OfficeFinancial Reporting

About the role

  • This role is remote eligible in the continental U.S. with occasional business travel.
  • However, individuals residing within a 60-mile radius of a USAA office will be expected to work on-site four days per week.

Responsibilities

  • Accountable for strategic planning to create team and departmental objectives and develops forecasts or predictions for team productivity.
  • Works directly with executive management, Marketing and team members to develop, implement and validate products, programs and portfolio management strategies to minimize credit risk in loan products while optimizing financial returns.
  • In partnership with executive management develops accurate, timely and cohesive responses on internal audits, regulatory exams, internal compliance and credit risk reviews etc.
  • Leverages banking product knowledge and critical thinking skills to lead analyses, identify root causes, and develop clear and concise recommendations to drive the overall bank credit risk strategy development and influence senior decision makers.
  • Leads and partners to deliver Bank credit risk strategies across lines of defense by effectively developing and improving complex analytical frameworks, analyzing data and processes, and clearly communicating insights/recommendations to key stakeholders and senior leadership.
  • Leads the analysis of internal and external scores/data for use in identifying first party fraud.
  • Leverages industry knowledge and competitive benchmarking to lead, inform, and influence credit strategy development
  • Proactively Identifies the need for and leads development of advanced and nuanced quantitative analysis based upon internal and external data sources to bring structure and clarity to ambiguous and challenging problems.
  • Responsible for the development, management, and presentation of 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.
  • Leads the design and execution of complex financial risk sensitivity analysis.

Requirements

  • Bachelor's degree
  • OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
  • Experience influencing cross functional stakeholders to action by communicating complex analytical insights and risk mitigating solutions.
  • Strong understanding of banking regulations risk, and/or compliance.
  • Experience coaching and guiding peers on analytics, and/or risk management.
  • Advanced knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.

Skills

  • Strong credit experience in both first line and second line of defense.

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.
  • USAA does not provide visa sponsorship for this role.

Benefits

  • 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.

Equal opportunity

  • 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.
  • USAA is an Equal Opportunity Employer.

Visa & Work Authorization

  • USAA does not provide visa sponsorship for this role.
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This listing is sourced directly from United Services Automobile Associa's careers page and normalized into a canonical job model.