Mid-Level Real Estate Credit Risk Analyst

USAA

. Support the development, implementation, and monitoring of credit strategies for Mortgage and Home Equity portfolios .

Posted 10/7/2026full-timeUnited StatesJuniorMid-Level💰 $93,770 - $179,240 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk analysis and strategy development, utilizing advanced analytical skills and industry knowledge to optimize portfolio performance and ensure compliance with banking regulations. Proficient in translating complex data into actionable insights for senior management and stakeholders.

Highest-signal resume keywords

Credit Risk AnalysisQuantitative AnalysisData Analysis ToolsMortgage Banking ExperienceRegulatory Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Quantitative AnalysisCredit Risk StrategiesFinancial Risk Sensitivity AnalysisData AnalysisAnalytical Project Leadership

Soft Skills

Strong Communication SkillsCritical ThinkingProblem-Solving SkillsAttention to DetailBusiness Acumen

Tools & Technologies

SQLSASSPSSPythonMicrosoft Excel

Industry Keywords

Mortgage BankingRisk ManagementComplianceFCRAHMDA

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Support the development, implementation, and monitoring of credit strategies for Mortgage and Home Equity portfolios
Use quantitative analysis to identify credit risk and optimize profitable growth within established risk appetite
Monitor portfolio performance trends and evaluate internal and external factors affecting results
Identify root causes of changes in key performance metrics
Recommend data-driven underwriting and account management strategies
Translate complex data into actionable recommendations and present strategic insights to executive-level audiences
Identify risks and opportunities within the managed portfolio and deliver credit risk strategies
Synthesize analyses, develop recommendations, and influence senior decision makers
Deliver Bank credit risk strategies across lines of defense
Drive analytical projects through analysis of data and processes and communicate insights to stakeholders and leadership
Apply industry knowledge and competitive benchmarking to inform credit strategy development
Perform quantitative analysis using internal and external data sources
Develop and present risk and financial reporting for senior management and committee oversight
Perform complex financial risk sensitivity analysis
Create requirements for credit strategy infrastructure and ensure strategies are implemented as intended
Analyze credit data using programming and analytical techniques
Support junior team members on analytics and risk management
Collaborate with stakeholders to guide teams in developing and implementing initiatives
Identify, measure, monitor, and control risks in accordance with risk and compliance policies and procedures

Requirements

What you’ll need

Bachelor's degree in Business Management, Finance, Economics, Engineering, or Mathematics; OR 4 years of relevant education and/or experience
Experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in a relevant discipline and 2 years of experience in an analytical field or related work
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 and investigation skills and demonstrated good judgment in problem solving
Strong knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint
Strong knowledge of data analysis tools, including 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
Proven ability to identify emerging credit risks and analyze portfolio performance drivers across large consumer lending portfolios
Experience partnering with Risk, Finance, Modeling, Product, and Operations teams
Prior analytical experience supporting Mortgage, Home Equity, or Consumer Lending products
Experience improving reporting, analytics, and risk monitoring processes
Experience using Python, SAS, and VS Code
Strong critical thinking and problem-solving skills
Excellent communication and presentation skills
US military experience through military service or a military spouse/domestic partner
Must not require immigration support or visa sponsorship now or in the future

Benefits

Comp & perks

Flexible work environment
Pay incentives based on overall corporate and individual performance, at the discretion of the USAA Board of Directors
Comprehensive medical, dental and vision plans
401(k)
Pension
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