Senior Bank Credit Risk Analyst – Real Estate Lending

USAA

. Manage and assess risks and opportunities across the Bank's consumer portfolios .

Posted 9/24/2026full-timeUnited StatesSenior💰 $127,310 - $243,340 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in risk management and advanced analytics, with a strong foundation in financial modeling and regulatory compliance. Capable of translating complex data insights into strategic solutions while mentoring junior analysts and collaborating across multiple teams.

Highest-signal resume keywords

Risk Management FrameworksAdvanced Credit Risk AnalyticsPython ProgrammingFinancial Modeling InfrastructureRegulatory Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisQuantitative AnalysisAnalytical ReportingCredit Performance DriversUnderwriting PracticesPortfolio ManagementFinancial Risk Sensitivity AnalysisCritical ThinkingAdvanced AnalyticsRisk Assessment

Soft Skills

CoachingMentoringLeadershipCollaborationCommunication

Tools & Technologies

SASSQLVS Code

Industry Keywords

Financial ServicesConsumer LendingMortgageHome EquityHELOCOCC Heightened Standards

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Manage and assess risks and opportunities across the Bank's consumer portfolios
Translate analytical results into strategic solutions
Develop and improve complex analytical frameworks
Analyze data and processes and communicate insights to stakeholders and leadership
Develop advanced quantitative analyses using internal and external data sources
Challenge risk proposals through research, vetting, banking product knowledge, regulatory knowledge, and critical thinking
Design, build, and help maintain risk management frameworks
Develop and oversee risk reporting for management and committee oversight
Design complex financial risk sensitivity analyses
Provide thought leadership, coaching, and mentoring to team members
Execute or implement advanced credit and/or financial modeling infrastructure
Ensure business risks are identified, measured, monitored, and controlled according to risk and compliance policies
Partner across Risk, Finance, Modeling, Product, and Operations teams
Identify emerging risks, challenge assumptions, and support strategic business decisions

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
6 years of experience in an analytical field or work focused on leading risk management execution, assessments, or advanced analytics; OR 4 years of such experience with an advanced degree; OR equivalent demonstrated competencies
2 years of prior analytical experience in a financial services or highly regulated environment
Experience developing and maintaining analytical reporting
Experience applying critical thinking skills to support successful performance outcomes
Awareness of relevant laws, rules, and regulations, including OCC Heightened Standards
Strong knowledge of Python, SAS, or SQL
Advanced experience in FHA credit risk analytics
Experience with mortgage, home equity, HELOC, or consumer lending environments
Understanding of credit performance drivers, underwriting practices, and portfolio management
Experience with Python, SAS, SQL, or VS Code
Ability to mentor and develop junior analysts
Ability to lead through influence and partner across Risk, Finance, Modeling, Product, and Operations teams
US military experience through military service or a military spouse/domestic partner
Must not require current or future visa sponsorship or immigration support

Benefits

Comp & perks

Remote or hybrid flexibility may be available for active-duty military spouses, consistent with policy and business needs
Pay incentives may be available based on overall corporate and individual performance and 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 assistance