Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Data Scientist Principal, you will leverage technical expertise and industry experience to influence the application, scalability, and enablement of artificial intelligence/machine learning (AI/ML) at USAA. The incumbent will identify novel opportunities for advanced analytics solutions, effectively communicates with business leaders, product teams, and other key stakeholders and guides end-to-end solution development, IT implementation, and business adoption. Provides strategic guidance to executive leadership by seeking, vetting, proposing, and enabling "best in class" tools and technologies. Collaborates with IT Architecture and leadership to ensure data and analytics tools are consistent with USAA's strategic vision. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is available for this position. What you'll do: Identifies, researches, and defines large-scale, cross-functional AI/ML use cases in collaboration with business leaders, executive peers, and strategic partners. Guides end-to-end efforts to develop scalable, efficient, highly-performant, automated AI/ML solutions. Applies deep expertise to amplify the impact of modeling techniques on emerging business initiatives. Collaborates with IT architects to design, implement, monitor, and scale cutting-edge AI/ML solutions that translate prototypes into novel products, services, and features. Ensures that AI/ML solutions are built using industry best practices, and sound methodology. Works with model risk partners to promote a culture of regulatory compliance. Designs large, complex information assets that enable applied analytics. Collaborates with engineering, data, and information architects to establish and maintain well-governed, documented, and controlled datasets from internal and external, structured, and unstructured sources. Seeks opportunities to simplify, modernize, and standardize the model development lifecycle. Provides expert technical advice and guidance by vetting vendor acquisitions. Actively raises the bar on talent and recruitment by leading or participating in communities of practice, talent development initiatives, and technical interview panels. Clearly translates complex analytical and technical concepts to diverse, technical, and non-technical audiences in a way that promotes organizational data literacy and informs business priorities. Provides technical oversight for building and maintaining a robust library of reusable, production-quality algorithms and supporting code. Develops and maintains academic and industry relationships for research purposes. Represents USAA in key internal/external technology and advanced analytics conferences. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline. 10 years of progressive experience in predictive analytics or data analysis, to include 6 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models. 6 years of experience in one or more dynamic scripted language (such as Python, R, etc.) with a focus on writing code that is easy to follow, well documented, and commented where necessary to explain logic (high code transparency). Subject matter expert in the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Subject matter expert in the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Deep hands-on experience building, deploying, and managing the performance of advanced analytics solutions. Proven track record of providing cutting-edge solutions that drive business adoption and value. Extensive project management experience and can anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating and escalating potential impediments and limitations to leadership. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Extensive experience explaining and influencing complex technology decisions to both technical and nontechnical audiences at all levels in the organization and with cross functional and enterprise teams. Demonstrated experience leading business or product/portfolio transformation through use of advanced analytics. What sets you apart: Deep technical expertise in machine learning and NLP and generative AI with hands on experience developing agent-based AI solutions tailored for banking use case. Extensive experience in a lead capacity in technology research, strategy, and implementation in the areas of Generative AI development for large scale cross-enterprise initiatives. Skilled at bridging business needs and technical solutions driving innovation in customer experience, contact center, underwriting and operational efficiency through advanced AI applications. Compensation range: The salary range for this position is: $217,520 - $415,760. 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. 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, visit our benefits page on 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.
10/23/2025
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity As a dedicated Data Scientist Principal, you will leverage technical expertise and industry experience to influence the application, scalability, and enablement of artificial intelligence/machine learning (AI/ML) at USAA. The incumbent will identify novel opportunities for advanced analytics solutions, effectively communicates with business leaders, product teams, and other key stakeholders and guides end-to-end solution development, IT implementation, and business adoption. Provides strategic guidance to executive leadership by seeking, vetting, proposing, and enabling "best in class" tools and technologies. Collaborates with IT Architecture and leadership to ensure data and analytics tools are consistent with USAA's strategic vision. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is available for this position. What you'll do: Identifies, researches, and defines large-scale, cross-functional AI/ML use cases in collaboration with business leaders, executive peers, and strategic partners. Guides end-to-end efforts to develop scalable, efficient, highly-performant, automated AI/ML solutions. Applies deep expertise to amplify the impact of modeling techniques on emerging business initiatives. Collaborates with IT architects to design, implement, monitor, and scale cutting-edge AI/ML solutions that translate prototypes into novel products, services, and features. Ensures that AI/ML solutions are built using industry best practices, and sound methodology. Works with model risk partners to promote a culture of regulatory compliance. Designs large, complex information assets that enable applied analytics. Collaborates with engineering, data, and information architects to establish and maintain well-governed, documented, and controlled datasets from internal and external, structured, and unstructured sources. Seeks opportunities to simplify, modernize, and standardize the model development lifecycle. Provides expert technical advice and guidance by vetting vendor acquisitions. Actively raises the bar on talent and recruitment by leading or participating in communities of practice, talent development initiatives, and technical interview panels. Clearly translates complex analytical and technical concepts to diverse, technical, and non-technical audiences in a way that promotes organizational data literacy and informs business priorities. Provides technical oversight for building and maintaining a robust library of reusable, production-quality algorithms and supporting code. Develops and maintains academic and industry relationships for research purposes. Represents USAA in key internal/external technology and advanced analytics conferences. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in mathematics, computer science, statistics, economics, finance, actuarial sciences, science and engineering, or other similar quantitative discipline. 10 years of progressive experience in predictive analytics or data analysis, to include 6 years of experience in training and validating statistical, physical, machine learning, and other advanced analytics models. 6 years of experience in one or more dynamic scripted language (such as Python, R, etc.) with a focus on writing code that is easy to follow, well documented, and commented where necessary to explain logic (high code transparency). Subject matter expert in the concepts and technologies associated with classical supervised modeling for prediction such as linear/logistic models, discriminant analysis, support vector machines, decision trees, forest models, etc. Subject matter expert in the concepts and technologies associated with unsupervised modeling such as k-means clustering, hierarchical/agglomerative clustering, neighbors algorithms, DBSCAN, etc. Deep hands-on experience building, deploying, and managing the performance of advanced analytics solutions. Proven track record of providing cutting-edge solutions that drive business adoption and value. Extensive project management experience and can anticipate and appropriately manage project milestones, risks, and impediments. Demonstrated history of appropriately communicating and escalating potential impediments and limitations to leadership. Demonstrated experience in guiding and mentoring junior technical staff in business interactions and model building. Extensive experience explaining and influencing complex technology decisions to both technical and nontechnical audiences at all levels in the organization and with cross functional and enterprise teams. Demonstrated experience leading business or product/portfolio transformation through use of advanced analytics. What sets you apart: Deep technical expertise in machine learning and NLP and generative AI with hands on experience developing agent-based AI solutions tailored for banking use case. Extensive experience in a lead capacity in technology research, strategy, and implementation in the areas of Generative AI development for large scale cross-enterprise initiatives. Skilled at bridging business needs and technical solutions driving innovation in customer experience, contact center, underwriting and operational efficiency through advanced AI applications. Compensation range: The salary range for this position is: $217,520 - $415,760. 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. 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, visit our benefits page on 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.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
10/06/2025
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
10/05/2025
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
10/05/2025
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity We are looking for a mid-level Bank Credit Risk Analyst position. Uses quantitative methods to identify credit risk, develop and deliver credit strategies, and monitor credit performance for consumer credit portfolios to optimize profitable growth within risk appetite. Mitigate operational and compliance risk inherent in credit strategy. Tracks and monitors internal and external factors impacting credit strategy performance for bank portfolio products. 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, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL. Relocation assistance is not available for this position. What you'll do: Applies industry leading practices and analytical skills to identify risks and opportunities within the managed portfolio and translates results into strategic solutions with the delivery of credit risk strategies. Applies critical thinking skills to synthesize analyses, identify root causes, and develop clear and concise recommendations to drive credit risk strategy development and influence senior decision makers. May assist in delivering Bank credit risk strategies across lines of defense by effectively driving analytical projects through analysis of data and processes and clearly communicating insights/recommendations to key stakeholders and leadership. Develops industry knowledge and competitive benchmarking to inform credit strategy development. Uses quantitative analysis based upon internal and external data sources to solve analytical projects. Assists with developing, managing, and presenting 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. Performs financial risk sensitivity analysis. Creates requirements to support the management of credit strategy infrastructure and ensures credit strategies are implemented as intended. Applies programming and analytical techniques to analyze credit data May assist in collaborating with key stakeholders to guide & facilitate teams in the development and implementation of key initiatives. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline; OR 4+ years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. 2+ years of experience in an analytical field or work focused on leading analytical projects, advanced analytics, and risk assessments; OR an advanced degree in Business Management, Finance, Economics, Engineering, or in a Mathematical discipline. Developing understanding of banking regulations, risk, and compliance. Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python. Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE. What sets you apart: High Proficiency in SAS and SQL and familiarity with capabilities of BI tools (e.g., Tableau) Experience analyzing credit risk associated with consumer credit or deposit products and identifying root causes of shifts in key portfolio performance measurements Experience recommending changes to underwriting strategies for both new originations and existing account strategies (line increases/decrease, balances transfers, payments, authorizations) to handle credit risk Familiarity with the use of explanatory modeling techniques (difference-in-difference, fixed, and random effects models) Experience preparing presentation materials for executive level audiences US military experience through military service or a military spouse/domestic partner Compensation range: The salary range for this position is: $77,120 - $147,390. USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, F-1, STEM OPT Training Plans, etc.). 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. 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, visit our benefits page on 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.
Location: On site in Tampa, FL Summary The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. Key Responsibilities Include Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. Participate in or lead special projects and assignments and performs other duties assigned. The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations Qualifications Include Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience Two to four years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred Experience as a Credit Analyst I or equivalent role preferred Experience with nCino (or Salesforce) and Moody's Credit Lens applications is preferred Familiarity with corporate credit products and the processes used to analyze financial data Good fundamental understanding of general bank operations and the commercial lending process Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals About UsFirst Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at . Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube
10/01/2025
Full time
Location: On site in Tampa, FL Summary The Credit Analyst, Sr position provides high level analytical support in underwriting/analyzing commercial credit facilities and assisting Portfolio Managers and Relationship Managers in managing customer relationships. A Senior CA will be expected to provide credit analysis support for assigned lending relationships. The position also provides mentoring and guidance to Client Specialists and other Credit Analysts as it relates to lending guidelines, and underwriting standards. The ideal candidate works well in a team-focused setting and is comfortable balancing competing priorities in a deadline driven environment. Key Responsibilities Include Interpret financial statements and provide financial analysis support utilized in underwriting complex C&I loans. Work proactively to ensure production is prioritized appropriately and completed in a timely manner. Specific tasks include: financial statement spreading; completing financial analysis documents; updating and creating new requests, modifications, renewals and annual reviews in the Bank's commercial loan system; tracking and completing covenant monitoring, completing industry research and developing a strong understanding of the Bank's commercial loan policy. Participate in transaction structuring and relationship strategy meetings with management and credit partners to justify and explain information in the analysis when warranted. Analyze and prepare complex credit approval documentation in FHB's commercial loan system. The senior analyst is responsible for accurately reflecting all loan terms, collateral, covenants, loan grade inputs, policy exceptions, and calculating credit exposure for a given relationship in the commercial loan system. Partner with Portfolio Managers to monitor and manage assigned commercial loan portfolios. This responsibility includes tracking covenants, recording financial statements, and monitoring company performance against expectations. Credit Analyst is responsible not only for accurate calculations and inputs but also for thoughtful implementation of policies, procedures, and guidelines. Participate in internal credit conversations with PM's, RM's Credit Risk Managers and senior management and in external meetings with clients and prospects. Participate in or lead special projects and assignments and performs other duties assigned. The successful candidate will demonstrate consistently high level of ownership of personal performance metrics and team initiatives, flexibility in responding to RM/PM/senior management and client deadlines, extreme level of detail and follow-through, and independence within the framework of the role in assisting in achieving business goals. Identify and report material changes or trends in the financial statements of borrowers or guarantors observed in the preparation of credit approval presentations Qualifications Include Bachelor's degree (B.A.), preferably in Accounting, Finance or Business or equivalent in specific work experience Two to four years of related experience in Financial Services, Banking, Credit Analysis, Loan Review or similar background preferred Experience as a Credit Analyst I or equivalent role preferred Experience with nCino (or Salesforce) and Moody's Credit Lens applications is preferred Familiarity with corporate credit products and the processes used to analyze financial data Good fundamental understanding of general bank operations and the commercial lending process Strong computer skills required with the following programs: Access, Word, PowerPoint, Outlook and highly proficient skills with Excel Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with senior executives, business unit management and staff, state and federal regulators and officials and significant business partners Ability to read, analyze and interpret financial reports and legal documents; performs simple to complex calculations; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals About UsFirst Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at . Benefit Highlights • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . The AVP of Underwriting for Commercial Services takes lead responsibility in preparation and analysis of loan underwriting presentations for factoring, working capital financing, credit protection and receivables management services. Responsibilities: Performs rigorous financial analyses of transactions including financial modeling, customer evaluation, collateral analysis, risk rating, and industry/competitor analysis to assess transaction risk Assists with PCA and proposal process with Originator/ Business Development Officer Participates as a team member in special projects aimed at improving business processes and analytic tools Monitors the progression of assigned deals and updates applicable databases and models Analyzes financial statements and capital structures, prepares financial models, performs sensitivity / scenario analysis; conducts business/industry/competitor analysis to identify transaction risks and mitigates; provides recommendation on the transaction based on due diligence. Works closely with Underwriting Manager, Business Development Officers, Legal, Credit Risk, Operations, and other relevant departments; communicates on an ongoing basis and manages the underwriting function in a timely and collaborative manner and within established guidelines and expectations. Ensures all underwritings adhere to internal credit procedures and provides written reports and recommendations to Risk in a clear, concise, and well-articulated manner. Identifies and obtains approval for any exceptions to internal policies or procedures during the underwriting process. Presents transactions to appropriate authorities as required by the nature of the transaction. Coordinates all closing activities with applicable departments (Operations, Credit, Legal, etc.) and manages deal throughout the entire process, including for preparation/negotiation/execution of all legal documentation, system set up, and handoff to Portfolio Management team in an appropriate manner. Adheres to corporate and business specific policies and considers appropriate controls as part of day-to-day responsibilities. Leads KYC/BSA process and ensure all KYC compliance requirements have been met prior to transaction close. Preferred Qualificatons: Bachelor's degree with a concentration in finance or accounting preferred 3-5 years of experience in the commercial lending industry; credit trained with direct experience of underwriting and executing senior debt transactions Must have a solid understanding of financial statements, proficiency in financial modeling, and strong analytical skills with an ability to question assumptions Strong communication and interpersonal skills; team player Self-motivated with high energy levels; ability to prioritize and multi-task effectively Some experience of Factoring deals is a plus; ability to understand legal documentation and experience of managing deals as an Agent is a plus CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
09/23/2021
Full time
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . The AVP of Underwriting for Commercial Services takes lead responsibility in preparation and analysis of loan underwriting presentations for factoring, working capital financing, credit protection and receivables management services. Responsibilities: Performs rigorous financial analyses of transactions including financial modeling, customer evaluation, collateral analysis, risk rating, and industry/competitor analysis to assess transaction risk Assists with PCA and proposal process with Originator/ Business Development Officer Participates as a team member in special projects aimed at improving business processes and analytic tools Monitors the progression of assigned deals and updates applicable databases and models Analyzes financial statements and capital structures, prepares financial models, performs sensitivity / scenario analysis; conducts business/industry/competitor analysis to identify transaction risks and mitigates; provides recommendation on the transaction based on due diligence. Works closely with Underwriting Manager, Business Development Officers, Legal, Credit Risk, Operations, and other relevant departments; communicates on an ongoing basis and manages the underwriting function in a timely and collaborative manner and within established guidelines and expectations. Ensures all underwritings adhere to internal credit procedures and provides written reports and recommendations to Risk in a clear, concise, and well-articulated manner. Identifies and obtains approval for any exceptions to internal policies or procedures during the underwriting process. Presents transactions to appropriate authorities as required by the nature of the transaction. Coordinates all closing activities with applicable departments (Operations, Credit, Legal, etc.) and manages deal throughout the entire process, including for preparation/negotiation/execution of all legal documentation, system set up, and handoff to Portfolio Management team in an appropriate manner. Adheres to corporate and business specific policies and considers appropriate controls as part of day-to-day responsibilities. Leads KYC/BSA process and ensure all KYC compliance requirements have been met prior to transaction close. Preferred Qualificatons: Bachelor's degree with a concentration in finance or accounting preferred 3-5 years of experience in the commercial lending industry; credit trained with direct experience of underwriting and executing senior debt transactions Must have a solid understanding of financial statements, proficiency in financial modeling, and strong analytical skills with an ability to question assumptions Strong communication and interpersonal skills; team player Self-motivated with high energy levels; ability to prioritize and multi-task effectively Some experience of Factoring deals is a plus; ability to understand legal documentation and experience of managing deals as an Agent is a plus CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . Responsibilities: Lead deal team to evaluate new transactions, pre-screen transactions, conduct due diligence, prepare credit approval memos on transactions that are green-lighted in the pre-screen process, pitch transactions to credit committee in order to obtain credit approval, negotiate and review legal documentation as needed, and participate in deal closing. Analyze financial statements and capital structures, conduct business/industry/competitor analysis to identify transaction risks and mitigates; recommend transaction structures appropriate to the opportunity; provide a yes/no recommendation on the transaction based on due diligence. Manage assigned portfolio accounts - monitor performance and covenant compliance, prepare trend cards and periodic/annual reviews, process amendments and waiver requests in a timely manner to meet customer expectations, provide performance updates to managers, identify and act on warning signals, participate in portfolio reviews as needed. Maintain familiarity with CIT policies, procedures, and underwriting standards. Interface with other parts of the EF business, such as Asset Management, Legal, Operations, Insurance, Environmental, as well as other departments such as Capital Markets, Corporate Risk Management, Compliance, Problem Loan Management, Loan & Risk Review, and Internal Audit. Interface with customers (including brokers and intermediaries), as needed, to complete diligence process, as well as to assist the relationship management efforts of the Originators. Mentor and train junior resources (Analysts, Associates, AVPs) for the business. Preferred Qualifications: Bachelor's degree with a concentration in finance or accounting preferred. MBA/CFA a plus. Experience of Equipment Financing deals, equipment collateral, lease products and leasing structures, is required. 7- 10 years of experience as a senior underwriter in the commercial lending industry with direct experience of leading the underwriting and execution effort on large equipment and/or senior debt transactions. Must have a solid understanding of financial statements and capital structures, modeling & strong analytical skills with an ability to question assumptions. Experience with structuring transactions, leading deal teams, and negotiating documentation. CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
09/23/2021
Full time
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . Responsibilities: Lead deal team to evaluate new transactions, pre-screen transactions, conduct due diligence, prepare credit approval memos on transactions that are green-lighted in the pre-screen process, pitch transactions to credit committee in order to obtain credit approval, negotiate and review legal documentation as needed, and participate in deal closing. Analyze financial statements and capital structures, conduct business/industry/competitor analysis to identify transaction risks and mitigates; recommend transaction structures appropriate to the opportunity; provide a yes/no recommendation on the transaction based on due diligence. Manage assigned portfolio accounts - monitor performance and covenant compliance, prepare trend cards and periodic/annual reviews, process amendments and waiver requests in a timely manner to meet customer expectations, provide performance updates to managers, identify and act on warning signals, participate in portfolio reviews as needed. Maintain familiarity with CIT policies, procedures, and underwriting standards. Interface with other parts of the EF business, such as Asset Management, Legal, Operations, Insurance, Environmental, as well as other departments such as Capital Markets, Corporate Risk Management, Compliance, Problem Loan Management, Loan & Risk Review, and Internal Audit. Interface with customers (including brokers and intermediaries), as needed, to complete diligence process, as well as to assist the relationship management efforts of the Originators. Mentor and train junior resources (Analysts, Associates, AVPs) for the business. Preferred Qualifications: Bachelor's degree with a concentration in finance or accounting preferred. MBA/CFA a plus. Experience of Equipment Financing deals, equipment collateral, lease products and leasing structures, is required. 7- 10 years of experience as a senior underwriter in the commercial lending industry with direct experience of leading the underwriting and execution effort on large equipment and/or senior debt transactions. Must have a solid understanding of financial statements and capital structures, modeling & strong analytical skills with an ability to question assumptions. Experience with structuring transactions, leading deal teams, and negotiating documentation. CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
