**Why USAA?** Let’s do something that really matters. At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members. We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special! **The Opportunity** The Credit Risk Review (CRR) group is responsible for independently evaluating credit risks of exposures from both lending and non-lending activities to opine upon the effectiveness of first and second lines of defenses’ credit risk management practices and credit quality in fulfillment of regulatory expectations for safety and soundness. + CRR reports administratively through Enterprise Audit, functionally to the Boards of Directors, and is governed by the CRR Policy and the Interagency Guidance for CRR Systems. + The group conducts its work through the execution of its programs in adherence with the CRR business plan. The CRR Programs include Continuous Monitoring, Periodic Reviews, and Portfolio Assessments. + Results are reported to executive and senior management, bank credit risk management committee, and the Boards of Directors. + The Retail CRR Team drives the independent CRR Programs covering the retail credit risks in USAA Federal Savings Bank, which includes Auto, Credit Card, Deposits, Mortgage, Secured, and Unsecured credit risks. This position is responsible for the quality and timely execution of the three programs (Continuous Monitoring, Periodic Reviews, and Portfolio Assessments) for the retail credit risks in USAA Federal Savings Bank. + Applying data analytics support and techniques, synthesize and aggregate retail credit risk data across the banks. + Through ongoing monitoring, Periodic Reviews, and overall credit risk assessments of retail credit exposures, review the lifecycle stages of credit analysis, portfolio management, default management, and loss mitigation to conclude independently upon inherent credit risk, quality of credit risk management, individual and aggregate credit risks, and direction of credit risk. + Ensure CRR’s independent coverage of the retail credit risks is appropriate. + Ensure appropriateness of credit risk policies and procedures governing retail credit risks and the consistent application thereof + Independently opine on the adequacy of underwriting analysis, appropriateness of credit decisions, and efficiency of the credit management process supporting credit or asset quality, including sufficiency of controls in place to mitigate credit risk to USAA + Independently monitors credit risk trends in the retail exposures, attends relevant meetings, and establishes and maintains relationships with internal partners responsible for credit approval and credit risk management + Recommend and assist in growing CRR Policy and procedures where needed We offer a flexible work environment that requires an individual to be **in the office 4 days per week.** This position can be based in one of the following locations: San Antonio, TX, Plano, TX, or Charlotte, NC. Relocation assistance is not available for this position. **What you'll do:** + Executes CRR work and analysis, including development of test objective and approach, to achieve sound conclusions. Executes assigned CRR test steps accurately, timely, and professionally, in support of the CRR business plan and priorities. Provides conclusions and recommendations to Reviewer-in-Charge (RIC) and takes appropriate action with recommendations. + Reviews, analyzes, and interprets data collected from multiple sources to ensure valid conclusions are drawn during testing and risks associated with business activities are effectively identified, measured, monitored, and reported. Reports and escalates credit risks to the RIC or Senior Review Manager. + Attends, participates, and contributes in team activities such as planning, scoping, business walkthroughs, review of risk assessment, and testing for assigned areas of responsibility. + Develops, maintains, and demonstrates an understanding of CRR policies, procedures, guidelines, and strategic direction, in tandem with regulatory guidance. + Accountable for own workpaper documentation within quality standards, timely and accurately. Demonstrates understanding of portfolio issues, trends, and root causes to manage credit portfolios effectively. Identifies root causes to develop clear and concise recommendations. + Communicates effectively, verbally and written, to share findings and results with the RIC, team members, and stakeholders. + Contributes in teams to identify, assess, aggregate, and mitigate current and emerging credit risk events. + Applies increasingly mature knowledge to participate in producing analytical material for discussions with teams to evaluate credit risk and monitor adherence with policies and strategies. + Collaborates closely with the RIC and Data Analytics colleagues to fulfill data requests, validate accuracy, and perform testing and analysis. Works within the CRR team to understand and define opportunities and recommends solutions by analyzing increasingly complex data and providing key insights to inform decisions. + Monitors the credit risk environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. **What you have:** + Bachelor's degree in business or a relevant field such as Finance, Economics, Accounting, or Business Administration. Four additional years of related experience beyond minimum required may be substituted in lieu of bachelor’s a degree. + 2 years’ CRR, audit, credit risk management, credit underwriting, or regulatory experience in banking or financial services. + Experience applying risk, audit, or compliance acumen in a business or professional environment. + Experience effectively communicating with colleagues and business partners. + Ability to apply policies, procedures, and guidelines to work product deliverables. **What sets you apart:** + Ability to apply internal and external data and analytical skills to identify risks and opportunities + Experience reviewing, analyzing, and interpreting data collected from multiple sources and use critical thinking skills to draw conclusions + CRR and/or Audit experience in the financial industry + Excellent verbal and written communication and social skills required with ability to present detailed and critical topics to management + Proven track record to lead projects optimally with minimal direct supervision + Knowledge of credit risk trends, combining quantitative and qualitative methods 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. **What we offer:** **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. The salary range for this position is: $61,110 - $116,800 **.** Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. **Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include 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, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com. _Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._ _USAA is an 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._ **If you are an existing USAA employee, please use the internal career site in OneSource to apply.** **Please do not type your first and last name in all caps.** **_Find your purpose. Join our mission._** USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity. USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law. California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here. USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.