Why USAA?

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

The Opportunity

The Credit Risk Analyst internship focuses on practicing skills that play a crucial role in identifying, assessing, and mitigating risk across USAA Bank. You will learn real corporate world sophisticated quantitative techniques to model and manage risks and provide critical insights to advise strategic decisions.

For Enterprise Risk Compliance interns, the opportunity may lead to selection into a two-year risk development rotational program following graduation. Rotational placings may vary depending on business needs.

Our internship program lets you showcase your skills, while gaining real-life experience that’ll help you jump-start your career. Our interns deliver innovative solutions to real business challenges, while building enduring relationships in a collaborative culture with their manager and an assigned mentor.

The internship is based at USAA Corporate Headquarters in San Antonio, TX . Interns offered full-time roles may have the opportunity to work out of one of USAA’s satellite locations: Plano, TX and Charlotte, NC

What you'll do:

Our Credit Risk Analyst Interns , work under direct supervision and following risk and compliance procedures and mentorship, perform routine work assignments and problem resolution to support other team members, including the following tasks:

• Executes analytical processes to assess risks and opportunities across the Bank’s consumer portfolios.

• Supports team members to deliver bank risk strategy by optimally providing analytical insights to peers and management.

• Begins conducting quantitative analysis utilizing extensive internal and external data sources.

• Executes qualitative analysis to support the team in departmental decision making.

• Research credit, product, and/or risk proposals and utilizes critical thinking skills to provide feedback in support of strong portfolio performance outcomes.

• Learns to maintain effective risk management frameworks which can identify, measure, or mitigate risk.

• Develops, maintains, and utilizes established reporting to supervise and escalate bank risks.

• May execute financial risk sensitivity analysis, credit and/or financial modeling infrastructure.

• Performs routine tasks under direct supervision and within established procedures and guidelines.

What you need to have:

To qualify, you must be pursuing a degree from an accredited college or university, and plan to graduate after the final day of the internship. Most of our interns participate the summer between their junior and senior years. Our 2025 internship will start on May 28, 2025 and last through August 8, 2025.

• Graduation date cannot be prior to August 8, 2025

• Pursuing a bachelor’s degree at a 4-year accredited university in Economics, Finance, Statistics, Mathematics, Actuarial Sciences, or other quantitative subject areas.

• Up to 2 years’ experience conducting research, applying information and analysis for work deliverables.

• Communication/presentation experience.

• Proven high attention to detail in execution of deliverables.

• Ability to identify issues and recommend solutions to tackle problems.

What sets you apart:

• 0 to 2 years related quantitative analysis experience in a subject area relevant to risk management to include statistical analysis, modeling, mathematics or other quantitative field strong problem-solving abilities.

• Solid understanding with SQL, SAS, R, Python, or other analytical / risk tools.

• Experience working in a banking or financial industry

• Graduation date between August 09, 2025, and December 2025

USAA views its internship program as a pipeline to possible future employment. This is based on an individual’s graduation date, performance, role qualifications, and business need. T o be considered for possible future employment opportunities interns must meet the full-time work eligibility requirements for any given role. Thus, interns should ensure their sponsorship status and other provided information is accurately reflected on their intern application. Inadequate completion of your application may render you ineligible for further consideration in the hiring process.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

What we offer:

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the hourly range based on your experience and market data of the position. The actual hourly rate for this role may vary by location. The range for this position is: $20 - $30 .

Interns will receive an intern stipend to assist with expenses.

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.

Interns may not be eligible for all benefits , for more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

If you are an existing USAA employee, please use the internal career site in OneSource to apply.

Please do not type your first and last name in all caps.

Find your purpose. Join our mission.

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static_assets/Media/enterprise_hr_cpra_notice_at_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.