Azpipeline_org

Financial Services

Credit Analysts

Analyze credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money.

Salary Breakdown

Credit Analysts

Average

$75,650

ANNUAL

$36.37

HOURLY

Entry Level

$54,340

ANNUAL

$26.13

HOURLY

Mid Level

$73,530

ANNUAL

$35.36

HOURLY

Expert Level

$92,720

ANNUAL

$44.58

HOURLY


Current Available

Credit Analysts

74

Current Available Jobs


Sample Career Roadmap

Credit Analysts

Degree Recommendations


 Chandler-Gilbert Community College (MCCCD)

 Chandler-Gilbert Community College (MCCCD)

 Estrella Mountain Community College (MCCCD)

 Estrella Mountain Community College (MCCCD)

 Glendale Community College (MCCCD)
 Yavapai Community College

Top Expected Tasks

Credit Analysts


Knowledge, Skills & Abilities

Credit Analysts

Common knowledge, skills & abilities needed to get a foot in the door.

KNOWLEDGE

Economics and Accounting

KNOWLEDGE

English Language

KNOWLEDGE

Mathematics

KNOWLEDGE

Customer and Personal Service

KNOWLEDGE

Clerical

SKILL

Critical Thinking

SKILL

Active Learning

SKILL

Reading Comprehension

SKILL

Active Listening

SKILL

Speaking

ABILITY

Problem Sensitivity

ABILITY

Mathematical Reasoning

ABILITY

Oral Comprehension

ABILITY

Oral Expression

ABILITY

Deductive Reasoning


Job Opportunities

Credit Analysts

  • Bank Horizontal Operational Risk - Lead Risk Analyst
    USAA    Phoenix, AZ 85067
     Posted about 4 hours    

    **Purpose of Job**

    Community: Risk Management Jobs that are part of a community have unique requirements established to maintain consistent application, usage and reporting structure. Please reach out to your HR Business Partner for additional information on specific requirements prior to posting and/or employee placement into this job. Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and oversee enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. Escalates and reports risks to the appropriate governance bodies. Leads and executes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products and processes.

    **Job Requirements**

    **Job Details**

    USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

    **Primary Responsibilities:**

    Identifies and seeks key partners across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.

    + Presents findings and recommendations to various levels of leadership.

    + Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.

    + Develops process and procedures for successful implementation of new risk policies, practices, appetites and solutions to ensure comprehensive understanding and management of risks according to industry standard methodology.

    + Develops strategies, tools, and methodologies to measure, supervise, and report risks.

    + Applies experienced knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

    + Leads, assembles and facilitates cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

    + Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

    + Formulates and reviews stress test plans for a line of business or the enterprise.

    + Evaluates results, and frames contingency plans in partnership with key business partners.

    + Crafts key communications to be delivered to executives and board members

    **Minimum Requirements:**

    + Bachelor's Degree in Risk Management, Business, Finance, or a related field.

    + 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree

    + 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area. Or advanced degree/designation in Risk Management, Business, Finance, or other field relevant to risk management and 6 years of work experience in a field relevant to risk management.

    + Advanced risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance and/or financial services.

    + Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.

    + Experience leading and advising work with both internal and external partners in a highly collaborative environment.

    + Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include proven ability to effectively make data-driven decisions.

    + Proactively identifies potential concerns and follows-up to resolve issues.

    + Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

    + Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:

    + • OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk

    + • Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual

    + • FFIEC Manuals and Handbooks to include: Banking

    + General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP

    + *Laws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.

    **Preferred Experience:**

    + Demonstrated expertise in multiple tier 1 bank operational risk disciplines / risk types as well as effective operational risk frameworks

    + Ability to quickly develop an understanding of front line end-to-end business processes and prioritize drivers of potential operational risk

    + Experience conducting targeted risk assessments and developing conclusions and influence executive leadership to drive change and risk reduction

    + Identifies gaps in effective operational risk by the Business but also develops and advises the Business to define and implement forward-looking solutions to accelerate remediation and sustainable change

    **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 position. The salary range for this position is: $117,600- $211,700*(this does not include geographic differential it may be applied based on your work location)

    Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

    ***Geographical Differential:** Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

    **Shift premium:** will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.

    **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.

    Please click on the link below for more details.

    USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)

    **Relocation** assistance is **not available** for this position.

    **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.


    Employment Type

    Full Time

  • Risk Analyst Lead
    USAA    Phoenix, AZ 85067
     Posted about 4 hours    

    **Purpose of Job**

    We are currently seeking a talented Risk Analyst Lead for the San Antonio Home Office, Phoenix, Colorado Springs, Tampa, Plano or 100% Remote Work from home environment.

    Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and oversee enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. Escalates and reports risks to the appropriate governance bodies. Leads and executes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products and processes.

    **Job Requirements**

    **About USAA**

    USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

    USAA Careers – World Class Benefits (https://www.youtube.com/watch?v=APwPQizcENY) (31 seconds)

    **Tasks:**

    + Identifies and seeks key stakeholders across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.

    + Presents findings and recommendations to various levels of leadership.

    + Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.

    + Develops process and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure holistic understanding and management of risks according to industry best practice.

    + Develops strategies, tools, and methodologies to measure, monitor, and report risks.

    + Applies expert knowledge to utilize or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

    + Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.

    + Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

    + Formulates and reviews stress test plans for a line of business or the enterprise.

    + Evaluates results, and frames contingency plans in partnership with key business stakeholders.

    + Crafts key communications to be delivered to executives and board members.

    **Minimum Experience:**

    + Bachelor's degree in Risk Management, Business, Finance, or a related field OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

    + 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting, or other related operational area OR advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 6 years of work experience in a discipline relevant to risk management.

    + Advanced risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance and/or financial services.

    + Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.

    + Experience leading and directing work with both internal and external partners in a highly collaborative environment.

    + Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.

    + Proactively identifies potential concerns and follows-up to resolve issues.

    + Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

    When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses.

    **Preferred Experience:**

    + Extensive experience with Risk Appetite Metrics and Key Risk Indicators

    + Experience developing a KRI program

    **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 position. The salary range for this position is: $117,600 - $211,700*( this does not include geographic differential it may be applied based on your work location)

    Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

    ***Geographical Differential** : Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

    **Shift premium** will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

    **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.

    Please click on the link below for more details.

    **USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)**

    **Relocation** assistance is **not available** for this position.

    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.

    **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.


    Employment Type

    Full Time

  • BSA/AML Bank Operational Risk - Lead Risk Analyst
    USAA    Phoenix, AZ 85067
     Posted about 4 hours    

    **Purpose of Job**

    We are seeking a hard-working Lead Risk Analyst (BSA/AML Bank Operational Risk) (Remote Work available) for either our San Antonio, TX, Plano, TX or Phoenix, AZ facility. This person may also work remotely in a 100% Remote Work Environment.

    Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and lead all aspects of enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external partners to ensure that exposures are kept at acceptable levels. Call outs and reports risks to the appropriate governance bodies. Leads and completes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and/or experienced knowledge of core business discipline(s), products and processes

    **Job Requirements**

    **Job Details**

    USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

    **Primary Responsibilities:**

    Identifies and seeks key partners across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.

    + Presents findings and recommendations to various levels of leadership.

    + Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.

    + Develops process and procedures for successful implementation of new risk policies, practices, appetites and solutions to ensure comprehensive understanding and management of risks according to industry standard methodology.

    + Develops strategies, tools, and methodologies to measure, supervise, and report risks.

    + Applies experienced knowledge to use or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

    + Leads, assembles and facilitates cross-functional teams to identify, assess, aggregate and mitigate current and emerging risk events.

    + Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

    + Formulates and reviews stress test plans for a line of business or the enterprise.

    + Evaluates results, and frames contingency plans in partnership with key business partners.

    + Crafts key communications to be delivered to executives and board members

    **Minimum Requirements:**

    + Bachelor's Degree in Risk Management, Business, Finance, or a related field.

    + 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree

    + 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting or other related operational area. Or advanced degree/designation in Risk Management, Business, Finance, or other field relevant to risk management and 6 years of work experience in a field relevant to risk management.

    + Advanced risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance and/or financial services.

    + Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.

    + Experience leading and advising work with both internal and external partners in a highly collaborative environment.

    + Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include proven ability to effectively make data-driven decisions.

    + Proactively identifies potential concerns and follows-up to resolve issues.

    + Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

    + Knowledge of federal regulation 12 CFR Part 30, including Appendices A and D and with federal supervisory guidance, to include:

    + • OCC Documents: Large Bank Supervision Handbook; OCC Safety and Soundness Handbooks - Internal Controls, Corporate & Risk Governance, Retail Lending; and key OCC bulletins - Model Risk Governance, Model Risk Management, New Products and Services Risk Management, Third Party Risk Management, Technology Risk Management, Stress Testing, and Operational Risk

    + • Federal Reserve Documents: Consolidated Supervision Framework for Large Financial Institutions; Federal Reserve Board Bank Holding Company Supervision Manual

    + • FFIEC Manuals and Handbooks to include: Banking

    + General understanding of federal laws, rules, and regulations, to include: CRA; ECOA; FCRA; MLA; SCRA; Regulation DD; Regulation E; Regulation Z; BSA/AML; and UDAP/UDAAP

    + *Laws and Regulations for illustrative purposes. Roles would need an understanding of all federal and state laws and regulatory guidance applicable to the organization and responsibilities of the role.

    **Preferred Experience:**

    + Demonstrated expertise in BSA/AML/Financial Crimes

    + Strong knowledge of Transaction Monitoring, Sanctions, Customer Risk Rating, and KYC

    + Ability to quickly develop an understanding of front line end-to-end business processes and prioritize drivers of potential operational risk

    + Experience conducting targeted risk assessments and developing conclusions and influence executive leadership to drive change and risk reduction

    **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 position. The salary range for this position is: $117,600- $211,700*(this does not include geographic differential it may be applied based on your work location)

    Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

    ***Geographical Differential:** Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

    **Shift premium:** will be addressed on an individual basis for applicable roles that are consistently scheduled for non-core hours.

    **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.

    Please click on the link below for more details.

    USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)

    **Relocation** assistance is **not available** for this position.

    **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.


    Employment Type

    Full Time

  • Risk Analyst Lead
    USAA    Phoenix, AZ 85067
     Posted about 4 hours    

    **Purpose of Job**

    We are currently seeking a talented Risk Analyst Lead for the San Antonio Home Office, Phoenix, Colorado Springs, Tampa, Plano or 100% Remote Work from home environment.

    Provides risk management support for a line of business or staff agency in key risk identification, measurement, monitoring, control and reporting, and the understanding and management of risk through appropriate practices and processes. Assess and oversee enterprise and business exposures including key and emerging risks. Monitors the risk and control environment and provides effective challenge to internal and external stakeholders to ensure that exposures are kept at acceptable levels. Escalates and reports risks to the appropriate governance bodies. Leads and executes complex initiatives and cross functional teams within the Chief Risk Office and across the Enterprise that drive problem resolution. Leverages broad enterprise knowledge and/or expert knowledge of core business discipline(s), products and processes.

    **Job Requirements**

    **About USAA**

    USAA knows what it means to serve. We facilitate the financial security of millions of U.S. military members and their families. This singular mission requires a dedication to innovative thinking at every level.

    USAA Careers – World Class Benefits (https://www.youtube.com/watch?v=APwPQizcENY) (31 seconds)

    **Tasks:**

    + Identifies and seeks key stakeholders across the enterprise to support the identification, assessment, aggregation and the overall management of risks and controls.

    + Presents findings and recommendations to various levels of leadership.

    + Routinely communicates results of risk assessments to governance committees, business process owners and various levels of leadership and influences decision making.

    + Develops process and procedures for successful implementation of new risk policies, practices, appetites, and solutions to ensure holistic understanding and management of risks according to industry best practice.

    + Develops strategies, tools, and methodologies to measure, monitor, and report risks.

    + Applies expert knowledge to utilize or produce analytical material for discussions with cross functional teams to understand business objectives and influence solution strategies.

    + Leads, assembles, and facilitates cross-functional teams to identify, assess, aggregate, and mitigate current and emerging risk events.

    + Serves as the point of contact for senior risk leadership on projects and special management requests that often impact the enterprise or core operating area.

    + Formulates and reviews stress test plans for a line of business or the enterprise.

    + Evaluates results, and frames contingency plans in partnership with key business stakeholders.

    + Crafts key communications to be delivered to executives and board members.

    **Minimum Experience:**

    + Bachelor's degree in Risk Management, Business, Finance, or a related field OR 4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.

    + 8 years of risk management, regulatory or operations experience in a relevant functional area to include banking, insurance, financial services, audit, project management, public accounting, or other related operational area.

    + Or advanced degree/designation in Risk Management, Business, Finance, or other discipline relevant to risk management and 6 years of work experience in a discipline relevant to risk management.

    + Advanced risk management experience in a complex institution and/or highly matrixed environment related to banking, insurance and/or financial services.

    + Demonstrated experience in conflict resolution management and ability to effectively challenge at all levels of management and influence business outcomes.

    + Experience leading and directing work with both internal and external partners in a highly collaborative environment.

    + Demonstrated critical thinking and knowledge of data analysis tools and techniques and decision-making abilities, to include demonstrated ability to effectively make data-driven decisions.

    + Proactively identifies potential concerns and follows-up to resolve issues.

    + Advanced knowledge of Microsoft Office products including Excel and PowerPoint.

    When you apply for this position, you will be required to answer some initial questions. This will take approximately 5 minutes. Once you begin the questions you will not be able to finish them at a later time and you will not be able to change your responses.

    **Preferred Experience:**

    + 8 or more years of experience in IT Risk Management and/or Technology Audit, Compliance or Regulatory functions with assessing Information Systems/Technology risks and controls, performing risk & control evaluations in a variety of IT environments with demonstrated background in applying risk & control, security, and technology principles

    + Previous large consulting firm experience in the financial industry

    + Prior experience with leading large/complex projects, programs, or initiatives

    + Previous technical domain experience in IT Operations

    + Industry certifications such as PMP, CRISC, CGEIT, CRMA, CISA or CISSP

    + Experience working with Risk, Security or Audit frameworks (COBIT, ITIL, ISO 27001/2, NIST 800-53, SSAE16)

    **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 position. The salary range for this position is: $117,600 - $211,700*( this does not include geographic differential it may be applied based on your work location)

    Employees may be eligible for pay incentives based on overall corporate and individual performance or at the discretion of the USAA Board of Directors.

    ***Geographical Differential** : Geographic pay differential is additional pay provided to eligible employees working in locations where market pay levels are above the national average.

    **Shift premium** will be addressed on an individual-basis for applicable roles that are consistently scheduled for non-core hours.

    **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.

    Please click on the link below for more details.

    **USAA Total Rewards (https://hrportal.ehr.com/usaa/Prospective-Employees)**

    **Relocation** assistance is **not available** for this position.

    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.

    **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.


    Employment Type

    Full Time

  • Mortgage Loan Processor
    UMB Bank    Phoenix, AZ 85067
     Posted 1 day    

    **_Be part of something more._**

    A majority of our time is spent “at work.” We believe that time most meaningful when it’s spent around people who care about you and who challenge you. We hire people who know how to make good decisions, because we won’t be constantly looking over your shoulder—you’ll be empowered to do what’s right for our customers. Most importantly, we’re a partner. We partner with our associates to help them thrive personally and professionally. We partner with our communities and the organizations that support them. And, we partner with our customers to create an experience they won’t find elsewhere.

    **_Are you ready to be part of something more?_**

    You’re more than a means to an end—a way to help us meet the bottom line. UMB isn’t comprised of workers, but of people who care about their work, one another and their community. Expect more than the status quo. At UMB, you can expect _more heart_ . You’ll be valued for exactly who you are and encouraged to support causes you care about. Expect _more trust_ . We want you to do the right thing, no matter what. And, expect _more opportunity_ . UMBers are known for having multiple careers here and having their voices heard.

    UMB’s mortgage team was created over 4 years ago when UMB decided to bring mortgages back in-house. UMB’s mortgage team has a wealth of knowledge due to it being comprised of many associates who have been in the mortgage field for 10 or more years. The mortgage operations team, in which the Mortgage Loan Processor is a part of, is vital in making sure that the mortgage process from beginning to end goes as smoothly as possible for our clients.

    The Mortgage Loan Processor supports our Mortgage Loan Officers by being the one that keeps the loan process going. They ensure that specific requirements are met to ensure compliance on all aspects of the mortgage. The Processor is the one who has the mortgage file the longest- they do the ordering of services, analyzing of the loan, submit the loan to underwriting and gather other information as needed to prepare the loan to go to the final stage of closing.

    UMB’s mortgage team is very much like a second family to each other. Whether someone has a question about a process or needs help getting something completed, the mortgage operations team continuously strives to offer _the_ Unparalleled Customer experience to our clients by taking a team collaborative approach to ensure deadlines and client expectations are met all the way to when our client has the keys in their hands to their new home.

    **_How you’ll spend your time:_**

    + You will use analytical and problem-solving skills to identify any issues with documentation or process of the loan and create solutions to those issues.

    + You will use interpersonal skills to connect and support our variety of clients to achieve _the_ Unparalleled Customer Experience.

    + You will use organizational skills to ensure the steps in the mortgage process are completed in an effective and timely manner.

    **_We’re excited to talk with you if:_**

    + Have a high school diploma or equivalent

    + Have 3 years current mortgage processing experience or a combination of 3 years mortgage experience

    UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com or call 816-860-7972 to let us know the nature of your request.

    **_Who we are_**

    We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.


    Employment Type

    Full Time

  • Credit Analyst (Banking) - Biltmore/Phoenix (AZ)
    Zions Bancorporation    Phoenix, AZ 85067
     Posted 3 days    

    At National Bank of Arizona, we’re a community of professionals with relationships at our core. We strive to promote an engaging environment with accessible leadership and on-going employee development. We’re dedicated to our clients, shareholders and to each other. At NBAZ, the possibilities are endless – come for the job, stay for a career.

    NBAZ is looking for a Credit Analyst to join Arizona’s #1 Community Bank in our Biltmore Corporate Office in Phoenix (AZ).

    Our Credit Analysts identify and evaluate financial, and other risks, associated with our business customers.

    Our analysts enable sound credit decisions by providing extensive knowledge of financial and spread analysis, credit, lending, underwriting processes, and principles.

    Ideal candidates will have the skills and experience necessary to:

    + Conduct credit investigations, credit, and loan analysis, underwriting and other documentation review pertaining to loan analysis.

    + Investigate all available sources of credit and financial information, including reporting services, credit bureaus, other companies, main office files, and branches.

    + Analyze financial conditions and trends, reviews, and reports non-compliance with loan covenants.

    + Prepare summaries, presents facts, and offers opinions concerning creditworthiness and any risk items or issues.

    + Spread customer financial statements. Complete on-going review of covenants and follow-up. Determine cash flow using appropriate tax analysis.

    + Prepare tax analysis on personal tax returns.

    + Provide frequent internal and external customer contact.

    + May assist with projects as needed. Other duties as assigned.

    Qualifications:

    Requires a Bachelor's in finance, business, accounting or a related field and 1+ yrs credit/financial analysis, lending, underwriting or other directly related experience.

    + A combination of education and experience may meet job requirements.

    + Basic working knowledge of financial and spread analysis, credit, lending and underwriting processes and principles.

    + Some experience working with various types of loans.

    + Basic working knowledge of credit risk, legal and regulatory requirements.

    + Ability to work with lending officers and staff.

    + Good client relationship and communication skills, both verbal and written.

    + Ability to make sound decisions and recommendations regarding loans.

    + Working knowledge of computer software programs including spreadsheets, word processing, etc. required.

    + Hours: Monday – Friday: 8:00am to 5:00pm.

    Benefits:

    + Medical and Dental Insurance + Life Insurance + 401(k) Plan + generous company matching!

    + Competitive compensation commensurate with work experience.

    + Paid Training, paid Vacation, paid Holidays, and promotional opportunities offered from within.

    + Tuition Reimbursement for qualifying employees.

    + Stable Employer, a division of Zions Bancorporation and is included in the S&P 500 & NASDAQ Financial 100 indices.

    Req ID: 055718

    Equal Opportunity Employer
    It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
    If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST.
    Click here to view applicable Federal, State and/or local employment law posters.


    Employment Type

    Full Time

  • Remote Loan Processor
    The CalAtlantic Group    Tempe, AZ 85282
     Posted 3 days    

    Seeking career growth with a national mortgage company? Lennar Mortgage can help you build the foundation to a long-term mortgage career. Join the team just rated as the #1 Homebuilder Worldwide by Fortune Magazine’s 2021 list of ‘World’s Most Admired Companies’.

    Lennar Named #1 Homebuilder Worldwide on FORTUNE Magazine's 2021 List of 'World's Most Admired Companies'

    Lennar Mortgage is a proud member of the Lennar family of companies and has the unique opportunity to deliver the personal commitment and accountability of a local lender with the financial backing of a Fortune 150 company.

    At Lennar Mortgage, not only do you receive a job - you gain a network, a family, and endless opportunities. Our success is a result of supporting and rewarding our team of elite professionals.

    + The median base compensation for this position is estimated to be $28.50 per hour subject to adjustment based on business-related factors including employee qualifications and operational considerations.

    + This position may be eligible for performance-based bonuses as determined in the Company’s sole discretion.

    + This position will be eligible for the benefits listed below in accordance with Company policy.

    + This information is intended to be a general overview and may be modified by the Company due to factors affecting the business.

    Applicants may apply for this position via: Career Builder, Indeed or via https://lennar-lennarmortgagehome.jobs.net/

    Benefits:

    + Medical, Dental, & Vision

    + FSA (Flexible Savings Account), DSA (Dependent Savings Account)

    + 401(k) w/ company matching

    + Maternity and Paternity Leave

    + Vacation, Sick, Personal Time Off

    + Associate Home Purchase Assistance

    + Well Being incentive Bonuses

    + Company Holidays (10 annually)

    #C

    Perform duties of Conventional, FHA and VA loan processing, closing and preliminary underwriting. Includes interacting with escrow, title company, sales, design center, and borrowers in the closing of the loans.

    ◙ Process loan applications from initial set-up through funding, striving to obtain loan approvals within 30 days of application date.

    ◙ Reconcile accounting records to ensure collection of all fees due.

    ◙ Follow-up on closed loan documentation to ensure compliance with all Secondary Marketing standards.

    ◙ Communicate with New Home Consultants, borrowers and associates in a professional, courteous manner.

    ◙ Maintain a pipeline of loans with an emphasis on customer service, quality, accuracy and efficiency. Learn and maintain knowledge of different loan programs and corresponding computer system codes.

    ◙ Gather and submit credit report and supporting application (1003) documentation in a timely manner for loan approval.

    ◙ Maintain status and information within processing software system. Update codes, status dates and loan information for reporting as needed. Communicate status in meetings and with other associates as directed by supervisor.

    ◙ Obtain the sales contracts, escrow instructions, and any documentation regarding upgrades prior to ordering the appraisal through the HVCC department for all purchases.

    ◙ Remain current with our Broker programs and maintain their forms for submission.

    ◙ Keep current with investor guideline changes by reading updated bulletins and loan program guidelines as published on the Lennar Mortgage home page.

    ◙ Obtain and follow through on borrower conditions for closing per underwriter/lenders requirements.

    ◙ Submit a document ready loan to the closing dept at least 48 hours prior to the scheduled closing date /time to accomplish a smooth closing.

    ◙ Keep communication between borrowers, escrow/title, sales agents, and Home Loan Advisor up to date to avoid delays and confusion.

    ◙ Maintain written status with the borrowers with reference to “needs items” and/or approval conditions to meet the Regulation B notification requirement.

    ◙ Eighteen months experience as Loan Representative I or Loan Representative II

    ◙ Automated processing and closing experience

    ◙ Eighteen months of FHA/VA/Conventional loan closing

    ◙ Ability to study independently

    ◙ Successful completion of Core Curriculum Customer Care Empowerment, Doc Basics, FHA, VA, Self Employed, Destiny, Credit Counseling and Compliance. Or successful completion of Introduction to Mortgage Banking, Mortgage Loan Origination, Processing the Loan, Conventional Loan Processing, Mortgage Loan Underwriting, Underwriting the Self-employed Borrower, Closing, Shipping & Warehousing, Creation & Form of a Mortgage, Residential Secondary Marketing

    ◙ Attention to detail

    ◙ Knowledge of office procedures

    ◙ Excellent organization skills

    ◙ Excellent oral and written communication skills

    ◙ Excellent telephone manner

    ◙ Excellent interpersonal skills

    ◙ Knowledge of Word for Windows and Excel

    ◙ Current knowledge of closing and title requirements

    ◙ Current knowledge of loan processing and automated underwriting systems

    ◙ Current knowledge of FHLMC/FNMA/FHA/VA and industry underwriting guidelines

    ◙ Current knowledge of self-employed borrowers, partnership and corporation tax return analysis

    ◙ Maintain minimum pipeline of 45-55 loans

    ◙ Must obtain the Florida Mortgage Broker License prior to processing any loans for the State of Florida

    Regular Full-Time

    Posting Job Title: Remote Loan Processor

    ID: 2022-21915

    Posting Location: Nationwide

    External Company Name: Lennar Homes

    External Company URL: http://www.Lennar.com/


    Employment Type

    Full Time

  • Mortgage Loan Processor
    The Judge Group Inc.    Tucson, AZ 85701
     Posted 3 days    

    Location: Tucson, AZ
    Description:
    Summary:

    Our client is hiring multiple Mortgage Loan Processors to join their growing team. This is with a well established client that values work life balance. These are 100% remote positions working in the EST, CST and/or MST time zones.

    About our client: Our client is a national financial services company specializing in insurance, banking, investments and retirement products and real estate. They are one of the leading companies for VA loans in the country and provides their services to more than 13 million members and employs more than 36,000 people world wide.

    Benefit Highlights:

    * 401k match - Starts day one! The client matches $2 for every $1 contributed by the employee up to 4% of eligible earnings (If you put in 4% then the client puts in 8%). **Two-year vesting for employer match*
    * Pension Retirement Income Benefit - Requires three full years of service to be fully vested.
    * Parental Leave - Mothers and Fathers receive 12 weeks of leave at full pay when a child is born.
    * Health/Dental/Vision - Top plans available at a much lower cost than competitors(Average Annual Savings of $5.3K)
    * PTO Days-25 PTO days + 7Holidays + 2Volunteer days + 14 additional days to buy per year. (49 Days Total Starting from Day 1)

    Minimum Requirements


    * High School Diploma or General Equivalency Diploma.
    * 2 years experience of first mortgage loan processing. This must be recent/current experience.
    * Obtain and maintain NMLS registration within one month of entering role.
    * 6 months of recent/current VA loan processing experience. Must be familiar with regulations related to VA loans.
    * Excelling written and verbal communication skills
    * Experience and proven success in handling pipeline volume of 45+ loans.

    Job Duties/Responsibilities:


    * Identify and manage existing and emerging risks that stem from business activities and the job role.
    * Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled.
    * Follow written risk and compliance policies and procedures for business activities.
    * Performs all processing, pre-underwriting, and pre-closing tasks required to proactively manage mortgage loan files from receipt in processing to final disposition.
    * Processes VA, Conventional loan, VA Jumbo, Conventional Jumbo, and New Construction applications.
    * Verifies accuracy and adherence to investor guidelines of all documents required for a complete submission to Underwriting.
    * Timely response to all member and third-party inquiries and adherence to the member keep informed routines. Consistently meets target service level objectives for dispositioning a minimum percentage of starting month's pipeline.
    * Initiates follow-up phone calls to members and third parties to obtain necessary loan documentation, title, credit and/or collateral information.
    * Meets or exceeds monthly performance goals to include production, quality and member satisfaction.
    * Ensures adherence and compliance with all state and federal and investor guidelines and regulations.
    * Meets stated objectives for quality submissions to Underwriting and maintains minimum threshold for Underwriting touches per file.
    * Maintains proactive review of pipeline to ensure that rate locks do not expire and lender paid rate locks do not exceed maximum dollar threshold set by management.
    * Meets quality objectives for Clear to Close status and maintains minimum threshold for Underwriting re-finals. Coordinates closings with all parties and assists with post-closing follow-up, as applicable



    Contact: jlaporta@judge.com

    This job and many more are available through The Judge Group. Find us on the web at www.judge.comUser Supplied Image


    Employment Type

    Full Time

  • Mortgage Loan Processor
    The Judge Group Inc.    Tucson, AZ 85701
     Posted 3 days    

    Location: Tucson, AZ
    Description:
    Summary:

    Our client is hiring multiple Mortgage Loan Processors to join their growing team. This is with a well established client that values work life balance. These are 100% remote positions working in the EST, CST and/or MST time zones.

    About our client: Our client is a national financial services company specializing in insurance, banking, investments and retirement products and real estate. They are one of the leading companies for VA loans in the country and provides their services to more than 13 million members and employs more than 36,000 people world wide.

    Benefit Highlights:

    * 401k match - Starts day one! The client matches $2 for every $1 contributed by the employee up to 4% of eligible earnings (If you put in 4% then the client puts in 8%). **Two-year vesting for employer match*
    * Pension Retirement Income Benefit - Requires three full years of service to be fully vested.
    * Parental Leave - Mothers and Fathers receive 12 weeks of leave at full pay when a child is born.
    * Health/Dental/Vision - Top plans available at a much lower cost than competitors(Average Annual Savings of $5.3K)
    * PTO Days-25 PTO days + 7Holidays + 2Volunteer days + 14 additional days to buy per year. (49 Days Total Starting from Day 1)

    Minimum Requirements


    * High School Diploma or General Equivalency Diploma.
    * 2 years experience of first mortgage loan processing. This must be recent/current experience.
    * Obtain and maintain NMLS registration within one month of entering role.
    * 6 months of recent/current VA loan processing experience. Must be familiar with regulations related to VA loans.
    * Excelling written and verbal communication skills
    * Experience and proven success in handling pipeline volume of 45+ loans.

    Job Duties/Responsibilities:


    * Identify and manage existing and emerging risks that stem from business activities and the job role.
    * Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled.
    * Follow written risk and compliance policies and procedures for business activities.
    * Performs all processing, pre-underwriting, and pre-closing tasks required to proactively manage mortgage loan files from receipt in processing to final disposition.
    * Processes VA, Conventional loan, VA Jumbo, Conventional Jumbo, and New Construction applications.
    * Verifies accuracy and adherence to investor guidelines of all documents required for a complete submission to Underwriting.
    * Timely response to all member and third-party inquiries and adherence to the member keep informed routines. Consistently meets target service level objectives for dispositioning a minimum percentage of starting month's pipeline.
    * Initiates follow-up phone calls to members and third parties to obtain necessary loan documentation, title, credit and/or collateral information.
    * Meets or exceeds monthly performance goals to include production, quality and member satisfaction.
    * Ensures adherence and compliance with all state and federal and investor guidelines and regulations.
    * Meets stated objectives for quality submissions to Underwriting and maintains minimum threshold for Underwriting touches per file.
    * Maintains proactive review of pipeline to ensure that rate locks do not expire and lender paid rate locks do not exceed maximum dollar threshold set by management.
    * Meets quality objectives for Clear to Close status and maintains minimum threshold for Underwriting re-finals. Coordinates closings with all parties and assists with post-closing follow-up, as applicable



    Contact: jlaporta@judge.com

    This job and many more are available through The Judge Group. Find us on the web at www.judge.comUser Supplied Image


    Employment Type

    Full Time

  • Mortgage Loan Processor - Remote
    The Judge Group Inc.    Scottsdale, AZ 85250
     Posted 3 days    

    Location: Scottsdale, AZ
    Salary: Competitive Hourly Base + Commission
    Description:
    Our client is looking to hire a large number of Mortgage Loan Processors that will be 100% REMOTE to join their team. These will be direct-hire, full-time positions with our client. These are excellent opportunities to join an already established national company that is continuing to grow at a rapid pace. Please reach out to: lyensen@judge.com for more information!

    Position: Mortgage Loan Processor

    Employment Type:Full-Time/Direct-Hire with our client.

    Compensation: Hourly base rate (OT eligible) + Commission

    Location: 100% REMOTE - NO TRAVEL REQUIRED

    About our client:

    Our client is a national mortgage lender with offerings in Direct to Consumer, Retail, Wholesale, Correspondent Lending, etc. Loan products include both Conventional and Non-Conventional/Government loans. Our client serves 49 states in the US, has 2,600+ employees and has serviced over 600,000+ customers.

    Key selling points:


    * 100% remote with no travel required.
    * Client provides a company laptop and phone.
    * Competitive base pay plus an aggressive commission structure that is one of the best in the industry.
    * Growth opportunities. The client is huge on promoting from within. Nearly all management has held the title of loan processor.
    * Stability. This is an established client that has been growing tremendously even before the current refinance boom. No mass layoffs here when rates go up.
    * Consistent high-volume loan pipeline. 30 is the minimum expectations but many processors are completing 40-60+ loans monthly.
    * Efficiency. You can be much more efficient while processing loans because at this client you only process loans and even have a junior support staff to assist with more time consuming tasks.
    * Full benefits including health, dental, vision, 401k match, PTO, Holidays, etc.

    Responsibilities:


    * Communicate with underwriting and Mortgage Consultants to understand the financial situation of the borrower
    * Calculating income and reviewing tax returns
    * Working with Government (FHA, USDA, VA) and Conventional loans
    * Processing both refinance and purchase loans
    * Responsible to meet daily, weekly, and monthly production goals.
    * Effectively communicating with mortgage consultants to coordinate the approval process
    * Responsible for ensuring proper compliance and adhere to industry regulations and standards
    * Consistent follow up with borrowers regarding loan status, and provide over the top customer service!

    Education and Experience Requirements:


    * Bachelor's degree preferred
    * Prefer a minimum of 5+ years of overall experience
    * Prefer previous remote experience
    * 2+ years' experience within Direct-to-Consumer processing
    * Must have 2+ years of residential first (prime) mortgage processing experience
    * Experience with processing a pipeline of 30+ loans per month
    * Solid understanding of the economics related to the origination, sale, and servicing of residential mortgage loans
    * Excellent customer service skills

    Company Benefits/Perks:


    * 15 Paid Time Off (PTO) days and 18 after 1st anniversary!
    * 8 Paid Holidays
    * Employee Engagement Activities
    * Medical (including Health Savings Account & Flexible Savings Account)
    * Dental - RX - Vision - Life, Disability Insurance
    * 401(k) Plan with company match!
    * Employee Assistance Plan
    * Pet Insurance!

    Contact: lyensen@judge.com

    This job and many more are available through The Judge Group. Find us on the web at www.judge.comUser Supplied Image


    Employment Type

    Full Time


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