Senior Risk Analyst

Purpose of JobWe are currently seeking talented Senior Risk Analyst for our San Antonio, TX facility.Provides risk management support for a line of business or staff agency in key risk identification, measurement and aggregation, and the understanding and management of risk through appropriate practices and processes. Assesses and mitigates enterprise and business exposures through the identification of key and emerging risks and evaluates alignment with risk strategy and appetite. Monitors the risk and control environment to ensure that exposures are kept at acceptable levels and may consult on risk mitigation plans. Job RequirementsThe Credit Policy and Credit Review team is responsible for providing the Chief Risk Officer, the Bank Senior Risk Officer and the Risk Committee of the Bank with an independent assessment of the Banks lending processes, including credit policy and procedures. The position would provide oversight of consumer credit risk through credit policy, program approval, and credit review. Responsibilities include: Policy Governance Credit Policy Proposal Review and Analysis for proposals above credit lending authority and exceptions to policy Development of Credit Policy Governance Framework and Bank Credit Policies in accordance with regulatory expectations Assessment of policy adherence and key controls throughout the credit lifecycle? Partners with key stakeholders in the business to identify, assess, aggregate and document risks and controls, including risks associated with new or modified products, services, distribution channels, regulations and third party operations using advanced knowledge. Presents findings to various levels of leadership. Communicates results of risk assessments to governance committees, business process owners and various levels of leadership. Implements new risk policies, practices, appetites and solutions to ensure holistic understanding and management of risks according to industry best practice. Enhances and contributes to strategies, tools, and methodologies to measure, monitor, and report risks. Applies advanced knowledge to utilize or produce analytical material for discussions with cross-functional teams to understand business objectives and influence solution strategies. Serves as a key contributor in cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events. Effectively contributes to projects that impact the organization. Serves as a key contributor on projects that may impact the enterprise or a core operating area. Formulates stress test plans for a line of business or the enterprise including the evaluation of results, and framing of contingency plans in partnership with key business stakeholders. Minimum Requirements Bachelor's degree in Risk Management, Business, Finance or other related field or four years of directly related work experience (in lieu of a degree) 6 years risk management experience OR 6 years operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area OR advanced degree or designation in a quantitative discipline relevant to risk management and 4+ years relevant risk management work experience OR PhD in a quantitative discipline and 2+ years relevant risk management work experience *Qualifications may warrant placement in a different job level.* When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses. Preferred Bachelor's degree in Risk Management, Business or Finance Credit Policy experience at a large Bank and/or Bank Credit regulatory experience One or more of the following designations: Associate in Risk Management (ARM or ARM-E), Professional Risk Manager (PRM), Financial Risk Manager (FRM), International Certificate in Banking Risk and Regulation (ICBRR), Six Sigma designation, Certified Public Accountant (CPA) Actuarial designation (FSA, ASA, FCAS, ACAS, CERA) Risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance or financial services Experience documenting processes and/or experience in a control environment such as internal audit or compliance Experience managing complex processes to include process engineering or project management experience - Industry-related analytical experience in actuarial, pricing, underwriting, corporate finance, or product management 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 a flexible business casual or 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 seven cafeterias, two company stores and three fitness centers. Relocationassistance isavailablefor this position. For Internal Candidates: Must complete 12 months in current position (from date of hire or date of placement), or must have managers approval prior to posting. Last day for internal candidatesto apply to the opening is 2/15/17 by 11:59 pm CST time.