Bank Credit Risk Analyst II - Retail Banking
$77,120–$138,810 year
Hybrid · San Antonio, Texas, United States
Job Summary
Bank Credit Risk Analyst II applies 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. The role mitigates operational and compliance risk inherent in credit strategy, tracks influencing factors, and develops clear recommendations for senior decision makers. The position supports delivering bank credit risk strategies across lines of defense, uses data-driven analysis to inform strategy development, and prepares risk reporting for senior management and committees. Strong analytical skills, experience with SAS/SQL/Python, and knowledge of banking regulations are essential.
Required Qualifications
- Bachelor's degree in Business Management, Finance, Economics, Engineering, Mathematics or other quantitative field; OR 4 years of relevant education and/or experience.
- 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, Mathematics or other quantitative discipline.
- Developing understanding of banking regulations, risk, and compliance.
- Solid presentation and communication skills.
- Solid knowledge of current analytical coding languages, such as SAS, SQL, or Python.
- Solid knowledge of Microsoft Office products, particularly Excel, Word, and PowerPoint.
- Knowledge of federal laws, rules, regulations, and applicable guidance to include: FCRA, Reg B, UDAAP/UDAP, OCC Heightened Standards, OCC CREDIT RISK GUIDANCE.
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