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senior financial data analyst

credit risk analyst

Morgan Stanley

<div><h2 class="jobSectionHeader">Morgan Stanley (&ldquo;MS&rdquo;) is a global financial services firm that conducts its business through three principal business segments&mdash;Institutional Securities Group (&ldquo;ISG&rdquo;), Asset Management (&ldquo;AM&rdquo;) and Wealth Management (&ldquo;WM). WM includes almost 16,000 Financial Advisors and Private Wealth Advisors and offers comprehensive financial services to clients, such as brokerage, investment advisory, financial and wealth planning, annuities, insurance, retirement. In addition, the Private Banking Group (&ldquo;PBG&rdquo;) offers WM clients cash management and lending solutions.
</h2><h2 class="jobSectionHeader">Job Summary
</h2><h2 class="jobSectionHeader">The PBG is building its first-line credit risk team to enhance credit risk oversight and activities across multiple-lending products. We are seeking an Assistant Vice President (AVP) with a unique blend of data analytics and reporting skills along with experience in financial markets, private banking, and risk management. The candidate is expected to adapt and take on a variety of tasks but will be primarily focused on supporting ad-hoc reporting requests and helping to design and build automat ed reporting solutions. The role requires a minimum proficiency in data and reporting combined with an understanding of typical private banking lending products such as Securities-based lending, Tailored Lending, Residential Mortgages, and Commercial Real Estate lending. Success in this position also depends on the ability to collaborate effectively with a broad group of stakeholders and leverage firm-approved AI tools to improve risk oversight and operational efficiency.
</h2>Note: This role will be based in Purchase, NY as a Hybrid model working 4 days in office.
<h2 class="jobSectionHeader">Job Description/Position Responsibilities
</h2><ul><li><h2 class="jobSectionHeader">Gather, organize and transform complex data to deliver timely, accurate, and actionable insights and reports to support credit risk decision-making and strategic projects and initiatives.
</h2></li><li><h2 class="jobSectionHeader">Analyze and track portfolio metrics such as originations, limit monitoring, KRIs, loan quality, stressed credits, etc. by running data analytics across multiple databases to enable greater visibility of risk across the organization.
</h2></li><li><h2 class="jobSectionHeader">Assist in the oversight, coordination and management of stressed credit exposures across lending products and supporting and managing working group forums and risk committees.
</h2></li><li><h2 class="jobSectionHeader">Track progress on team initiatives, drive continuous improvement and efficiency, maintain documentation, drafting policies and procedures, mapping out processes, building decks and reports for senior management and regulators, etc.
</h2></li><li><h2 class="jobSectionHeader">Partner with stakeholders across multiple legal entities, businesses, financial and non-financial risk organizations, etc. to drive data-driven risk management initiatives.
</h2></li></ul><h2 class="jobSectionHeader">Additional Experience and Skills
</h2><ul><li><h2 class="jobSectionHeader">Minimum of 4 years of experience in financial services with emphasis on portfolio analytics and risk management.
</h2></li><li><h2 class="jobSectionHeader">BA in finance, economics, accounting, business, statistics or math; Advanced degrees / certifications are a plus.
</h2></li><li><h2 class="jobSectionHeader">Demonstrated proficiency in either Power BI, Tableau, or Dataiku, is required.
</h2></li><li><h2 class="jobSectionHeader">Skill using firm-approved AI tools to enhance analysis and productivity within governance frameworks preferred.
</h2></li><li><h2 class="jobSectionHeader">Solid understanding and experience working with databases and snowflake is preferred.
</h2></li><li><h2 class="jobSectionHeader">Experience designing automated reporting pipelines utilizing Python or SQL is preferred.
</h2></li><li><h2 class="jobSectionHeader">Experience translating regulatory and underwriting standards into data-driven controls is a plus.
</h2></li><li><h2 class="jobSectionHeader">Excellent interpersonal and communication skills; detail-oriented and effective in fast-paced environments.
</h2></li></ul>WHAT YOU CAN EXPECT FROM MORGAN STANLEY:
At Morgan Stanley, we raise, manage and allocate capital for our clients &ndash; helping them reach their goals. We do it in a way that&rsquo;s differentiated &ndash; and we&rsquo;ve done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren&rsquo;t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you&rsquo;ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There&rsquo;s also ample opportunity to move about the business for those who show passion and grit in their work.
To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.
Expected base pay rates for the role will be between $85,000 and $140,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.
Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.
Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.
For more information, please visit : https://www.morganstanley.com/people-opportunities/eeo .</div>

First Line Credit Risk Analyst - Assistant Vice President

Wells Fargo

<div>The Corporate &amp; Investment Bank (CIB) delivers a comprehensive suite of banking, capital markets and advisory solutions, including a full complement of sales, trading and research capabilities, to corporate, government and institutional clients. We focus on our clients' overall financial needs, with consideration and respect for their total relationship with Wells Fargo. Learn more about the career areas and lines of business at wellsfargojobs.com. 
 
 
 
About this role: 
 
Wells Fargo is seeking an Analyst to support the Portfolio Strategy &amp; Credit Administration and Capital Optimization &amp; Returns teams within the Corporate &amp; Investment Bank (CIB). This role plays a key part in managing the CIB credit portfolio, evaluating capital deployment, and supporting leadership with high-quality insights and materials. 
 
This unique opportunity provides exposure from both a risk management/strategy as well as business capital and returns perspective. The Analyst will collaborate with partners across Coverage, Underwriting, Corporate Treasury, Finance, and Enterprise Risk to support disciplined portfolio management, strategic growth strategy, and improved returns. 
 
This position is suited for individuals with strong analytical skills, exceptional Excel and PowerPoint capability, and an interest in capital, credit, and portfolio strategy. 
 
In this role, you will support: 
 
Capital Optimization
<ul><li>Assist in evaluating return on capital for new and existing transactions</li><li>
Utilize profitability and pricing tools to assess capital efficiency</li><li>
Support efforts that improve capital deployment, enhance return frameworks, and strengthen data quality</li></ul> 

Portfolio Strategy &amp; Credit Administration
<ul><li>Monitor portfolio trends, credit policy exceptions, industry exposures, and emerging risk themes</li><li>
Assist in regulatory reporting processes, limit framework tracking, and enterprise-wide portfolio routines</li><li>
Support review and control processes for the CIB-Banking portfolio</li></ul> 

Analytics, Reporting &amp; Presentation
<ul><li>Assist with the creation and maintenance of standardized reporting, dashboards, and recurring analytics for portfolio performance, capital usage, industry trends, and asset quality</li><li>
Analyze client-level, industry-level, and portfolio-level data to support capital allocation, RWA assessments, regulatory capital considerations, return analyses, and inherent risk management</li><li>
Support production of polished, executive-ready PowerPoint presentations for senior management, capital and risk committees, and cross-functional forums</li><li>
Assist on materials related to spread performance, loan origination trends, repricing, and macro portfolio outcomes</li></ul> 

Cross-Functional Collaboration<ul><li>
Partner with Underwriting, Treasury, Coverage, Finance, and Risk to gather inputs and create materials for transaction and portfolio reviews</li><li>
Participate in cross-functional initiatives aimed at enhancing portfolio monitoring, standardizing analytics, and improving reporting infrastructure</li></ul>
Required Qualifications:
<ul><li>6+ months of Corporate Banking Relationship Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education</li></ul>
Desired Qualifications:
<ul><li>Foundational understanding of wholesale credit, capital markets, corporate lending, and regulatory capital concepts</li><li>
Familiarity with portfolio management practices, RWA methodologies, or profitability frameworks</li><li>
Experience working with large datasets or reporting/BI tools</li><li>
Interest in developing expertise in capital optimization, portfolio strategy, and credit risk</li><li>
Advanced Excel skills (modeling, financial calculations, data analysis)</li><li>
Advanced PowerPoint skills with the ability to produce executive-ready presentations</li><li>
Strong analytical and problem-solving skills</li><li>
Familiarity with AI prompting techniques</li><li>
Excellent verbal, written, and interpersonal communication skills</li><li>
Ability to effectively interact with senior leaders and cross-functional partners</li><li>
Ability to work independently, manage multiple priorities, and collaborate across teams</li><li>
Strong organization and prioritization skills with ability to meet deliverables in a fast-paced, deadline driven environment</li></ul>
Job Expectations:<ul><li>
Willingness to work on-site in accordance with current office requirements</li><li>
Visa sponsorship is not available</li><li>
Registration for FINRA Series 79 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.</li><li>
Registration for FINRA Series 63 must be completed within 90 days of hire date if it is not available for transfer upon hire. FINRA recognized equivalents will be accepted.</li><li>
For specific FINRA qualification exams obtained after 9/30/2018, the Securities Industry Essentials (SIE) exam co-requisite may also be required</li><li>
This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to compliance with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents.</li><li>
Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process.</li></ul>
Posting Locations: 
 
Charlotte, NC: 550 S Tryon 
New York, NY: 30 Hudson Yards 
 
Base Salary NC and NY: 
 
Base pay range: $100,000-110,000 
 
Pay Range 
 
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities. 
$90,000.00 - $150,000.00 
Benefits
 
 
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.<ul><li>
Health benefits</li><li>
401(k) Plan</li><li>
Paid time off</li><li>
Disability benefits</li><li>
Life insurance, critical illness insurance, and accident insurance</li><li>
Parental leave</li><li>
Critical caregiving leave</li><li>
Discounts and savings</li><li>
Commuter benefits</li><li>
Tuition reimbursement</li><li>
Scholarships for dependent children</li><li>
Adoption reimbursement</li></ul>
Posting End Date: 
16 Apr 2026 
<ul><li>Job posting may come down early due to volume of applicants.
</li></ul> 
We Value Equal Opportunity 
 
Wells Fargo 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, status as a protected veteran, or any other legally protected characteristic. 
 
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. 
 
Applicants with Disabilities 
 
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . 
 
Drug and Alcohol Policy 
 
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. 
 
Wells Fargo Recruitment and Hiring Requirements: 
 
a. Third-Party recordings are prohibited unless authorized by Wells Fargo. 
 
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.</div>

Analyst, Corporate Banking - Capital & Portfolio Management

Capital One

<div>
 
 Summary:
 
 As a Senior Business Analyst at Capital One, you will apply your strategic and analytical skills to major company challenges. You will team with world-class professionals to develop and test strategies that ultimately impact the bottom line. And you will do it all in a collaborative environment that values your insight, encourages you to take on new responsibility, promotes continuous learning, and rewards innovation.
 
 
 As the Global Payment Network (GPN) integrates into Capital One, there are many strategic choices that need to be considered with our new business context and ambition. The GPN Network Strategy team is responsible for supporting, leading, and driving this strategic decision-making across all areas of our Network business. As part of the team, you will:
 
 
 <ul>
 <li>
 Develop strategies to support the growth of the Network across critical areas, including, but not limited to, international acceptance, brand, and technology evolution
 </li>
 <li>
 Investigate and evaluate major trends in the payments ecosystem and their impact on GPN
 </li>
 <li>
 Support business development efforts with existing and new partners domestically and internationally
 </li>
 <li>
 Engage with senior leadership &ndash; within the Network and across the Capital One enterprise &ndash; on strategic decision-making
 
 
 </li>
 </ul>
 Join the team as we work together to shape a new strategic future for the network.
 
 
 
 General Responsibilities:
 
 
 
 <ul>
 <li>
 Analysis: Identify business challenges and opportunities for improvement and solve for them using analysis to make strategic or tactical recommendations
 </li>
 <li>
 Product: Perform modeling/analytics to assist new product and pricing strategies for various lending products
 </li>
 <li>
 Marketing: Support direct-to-consumer marketing efforts for select products, and strategic intent for products distributed through the retail channel. Help build targeted insights to inform the design and development of new customer experiences, as well as breakthrough technology and concepts designed to deliver on new go to market strategies
 </li>
 <li>
 Credit Risk: Support step-change improvements in credit performance by connecting drivers of future consumer credit trends to historical behavior, creating risk models, and testing hypotheses using rigorous monitoring and analysis
 </li>
 <li>
 Execution: Involve problem frame-works, develop hypotheses, test and analysis, solution development, scope operational feasibility, lead implementation efforts and develop a monitoring plan
 </li>
 <li>
 Partnership: Work closely with colleagues across Capital One including: IT, Sales, Operations, Finance and others to drive improvement in quality, volume, service, and profitability
 </li>
 <li>
 Strategic &amp; analytic orientation: A proven track record of decision making and problem solving based on analytics. Conceptual thinking skills must be complemented by a strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing &amp; credit risk management
 </li>
 <li>
 Strong business judgment, leadership and integrity: He/she should be a tenacious decision maker, able to bring a healthy, aggressive, yet responsible approach to business
 </li>
 <li>
 Strong communication skills: Impeccable written and oral communication credentials, coupled with strategic influencing skills and the ability to drive agreement through intellect, interpersonal and negotiation skills
 </li>
 <li>
 Clear results orientation: display an intense focus on achieving both short and long term goals. He/she should be able to drive and execute an agenda in an uncertain and fluid environment
 </li>
 <li>
 Successful track record of thriving in a fast paced, entrepreneurial and dynamic environment. Previous consulting experience is a plus
 
 
 </li>
 </ul>
 
 Basic Qualifications:
 
 
 
 <ul>
 <li>
 At least 2 years of professional experience performing analysis
 </li>
 <li>
 Currently has, or is in the process of obtaining one of the following with an expectation that the required degree will be obtained on or before the scheduled start date:
 </li>
 <ul>
 <li>
 A Bachelor's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer engineering, Software engineering, Mechanical engineering, Information Systems or a related quantitative field)
 </li>
 <li>
 A Master's Degree in a quantitative field (Business, Finance, Accounting, Statistics, Economics, Operations Research, Analytics, Mathematics, Computer Science, Computer Engineering, Software Engineering, Mechanical engineering, Information Systems or a related quantitative field) or an MBA with a quantitative concentration
 
 </li>
 </ul>
 </ul>
 
 Preferred Qualifications:
 
 
 
 <ul>
 <li>
 Master&rsquo;s Degree in Business or quantitative field such as Finance, Economics, Physical Sciences, Math, Statistics, Engineering
 </li>
 <li>
 1+ years of experience in Statistical model building
 </li>
 <li>
 1+ years of experience in market research
 </li>
 <li>
 1+ years of experience in SQL querying
 </li>
 <li>
 2+ years of experience in business analysis
 </li>
 <li>
 1+ years of experience in consulting
 
 
 </li>
 </ul>
 Capital One will consider sponsoring a new qualified applicant for employment authorization for this position.
 
 
 The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.
 
 
 Chicago, IL: $101,100 - $115,400 for Sr. Business Analyst
 
 
 McLean, VA: $111,200 - $126,900 for Sr. Business Analyst
 
 
 New York, NY: $121,300 - $138,400 for Sr. Business Analyst
 
 
 Riverwoods, IL: $101,100 - $115,400 for Sr. Business Analyst
 
 
 Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate&rsquo;s offer letter.
 
 
 This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.
 
 
 Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.
 
 
 This role is expected to accept applications for a minimum of 5 business days.
 
 
 No agencies please. Capital One is an equal opportunity employer (EOE, including disability/vet) committed to non-discrimination in compliance with applicable federal, state, and local laws. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City&rsquo;s Fair Chance Act; Philadelphia&rsquo;s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.
 
 
 If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at RecruitingAccommodation@capitalone.com. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
 
 
 For technical support or questions about Capital One's recruiting process, please send an email to Careers@capitalone.com
 
 
 Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.
 
 
 Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).
</div>

Senior Business Analyst-Global Payment Network Strategy

Bank of America

<div>Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. 
 
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates&rsquo; physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. 
 
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. 
 
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! 
Job Description: 
Responsible for all aspects of the underwriting and credit management of Hedge Funds (HF) for the Global Markets business inclusive of trade approvals, internal credit ratings and limit management. This is a high-volume and fast-moving portfolio that utilizes a risk-based approach to drive revenue while maintaining appropriate credit risk disciplines.
Responsibilities:
<ul><li>Credit analysis: Participate in initial and ongoing due diligence of HFs. Perform quantitative and qualitative credit assessment, setting internal ratings and recommending credit limits</li><li>
Initial margin calculation: Determine initial margin (IM) and evaluate transactional risks associated with OTC and exchange traded derivatives, securities financing and structured trades</li><li>
Trade approval: Hold delegated approval authority to approve trading floor request (OTC derivatives) or to make recommendations to higher authority levels.</li><li>
Relationship management: Build strong working relationship with external HF clients, internal business partners including Sales, Structuring &amp; Trading, Risk counterparts, Legal and Audit Function</li><li>
Risk monitoring: Undertake regular exposure analysis including internal stress testing and IM back testing. Monitoring of performance and AUM flow data received from HFs</li><li>
Trading documentation: Liaise with Legal and client in negotiating ISDA, CSA, GMRA etc.</li><li>
Portfolio reviews: Preparation of portfolio reports and reviews, including analysis of OTC and F&amp;O exposures, any counterparties of concern and other pertinent risk issues.</li><li>
Candidate will be responsible for underwriting credit lines to support hedge fund client traded products.</li></ul>
Required Qualifications:
<ul><li>2+ years of experience in counterparty credit risk, market risk, or credit underwriting related activities within a financial institution or regulated fund environment,</li><li>
Proficient with Microsoft Office.</li><li>
General knowledge of Hedge Funds, their strategies and financial derivatives.</li><li>
Candidate will have significant exposure to Global Markets personnel including Trading / Financing / Structuring / Sales, as well various support partners.</li><li>
Candidate must be comfortable working on transactions in a fast-paced capital markets/trading environment.</li><li>
Ability to thrive in a fast-paced environment, consistently meet deadlines, and demonstrate strong quantitative and analytical skills</li></ul>
Desired Qualifications:
<ul><li>Bachelor's Degree</li><li>
Masters Degree
</li><li>CFA Charter Holder</li></ul>
Skills:<ul><li>
Attention to Detail</li><li>
Client Management</li><li>
Decision Making</li><li>
Underwriting</li><li>
Credit Documentation Requirements</li><li>
Critical Thinking</li><li>
Portfolio Management</li><li>
Problem Solving</li><li>
Written Communications</li><li>
Financial Analysis</li><li>
Negotiation</li></ul>
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40</div>

Credit Analyst III/Hedge Funds - Global Markets Credit

<div><div>Description - External
 
Firm Risk Management (FRM) supports Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, model and other risks.
 
 
Background on the Position
 
The role will reside within Wealth Management Credit Risk Management, which evaluates and actively monitors the credit risk of a loan portfolio for Wealth Management clients. The team supports Morgan Stanley Home Loans business unit and operates within the firm's risk appetite.
 
 
This role is for a VP-level Credit Professional within the Residential Mortgage team. The core responsibility is active portfolio management, including assessing, tracking and escalating changes in the portfolio's risk profile and asset quality, as well as reviewing and challenging proposals from the First Line of Defense (e.g. limit changes, underwriting requirements changes, etc.). The role also includes providing senior management updates and preparing responses to internal and external audit requests.
 
 
Primary Responsibilities
 
<ul><li>Responsible for active credit coverage of a residential mortgage lending portfolio
</li><li>Active monitoring and reporting of key performance indicators of mortgage loans including delinquency, forbearances and CECL impairment analysis.
</li><li>Impact assessments and resolution recommendations and portfolio oversight post a climate events
</li><li>Active monitoring and oversight of problem loan resolution, approvals of modification requests, forbearances and loans impacted by physical risk events
</li><li>Make timely recommendations regarding changes in regulatory loan classifications, CRM Watchlist, and Accounting Standard Updates and manage systemic reporting of outputs
</li><li>Lead or participate in ad-hoc projects / audits / regulatory exams / procedure, policy, and model reviews
</li><li>Preparation of BAU portfolio summaries as well as ad-hoc special topics covering assessment of trends and emerging risks for governance forums, FRM senior leadership
</li><li>Ensure data integrity of the portfolio reports by working with stakeholders in various departments including finance, FRM reporting, business unit analytics and technology
</li><li>Bachelor's degree in finance and accounting required, MBA is an asset
</li></ul></div><ul><li>Manage all requests within stated turn times while managing expectations through active communication with management and business risk &amp; origination teams
</li><li>5+ years of experience in residential mortgage credit risk, portfolio surveillance, or related risk management for consumer/real estate lending (private bank, retail bank, or similar)
</li><li>Strong credit fundamentals and analytical skills, including experience evaluating loan performance drivers and borrower/property risk using loan servicing data, collateral characteristics, and portfolio stratifications
</li><li>Excellent written and verbal communication skills; experienced presenting emerging risks, trends, and recommendations to senior leadership
</li><li>Strong technical skills (Excel and PowerPoint required; experience with SQL or similar querying tools preferred) and comfort working with large datasets to produce repeatable, well-controlled reporting
</li><li>Demonstrated ability to manage competing priorities in a fast-paced environment, partner across functions (Finance, Risk Reporting, Technology, and business stakeholders), and mentor junior team members
</li></ul>WHAT YOU CAN EXPECT FROM MORGAN STANLEY:
At Morgan Stanley, we raise, manage and allocate capital for our clients &ndash; helping them reach their goals. We do it in a way that&rsquo;s differentiated &ndash; and we&rsquo;ve done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren&rsquo;t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you&rsquo;ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There&rsquo;s also ample opportunity to move about the business for those who show passion and grit in their work.
To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.
Expected base pay rates for the role will be between $95,000 and $165,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.
Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.
Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.
For more information, please visit : https://www.morganstanley.com/people-opportunities/eeo .</div>

Residential Mortgage Credit Risk VP

<div>Senior Specialist, Real Estate Lending

At BNY, our culture allows us to run our company better and enables employees&rsquo; growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world&rsquo;s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.

Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance &ndash; and this is what #LifeAtBNY is all about. Join us and be part of something extraordinary.

We&rsquo;re seeking a future team member for the role of Senior Specialist, Real Estate Lending, to join our Credit Services team. This role is located in New York, NY.

Senior Specialist, Real Estate Lending supports Client Executives in Commercial Real Estate (CRE) across the full lending lifecycle for Public REIT corporate revolvers and real estate construction/project loans. The role spans screening, origination, underwriting, closing, and portfolio monitoring with a strong emphasis on credit analysis, risk assessment, and regulatory compliance.

In this role, you&rsquo;ll make an impact in the following ways:
<ul>
<li>Deal Screening and Underwriting
<ul><li>Support the end-to-end underwriting process for Public REIT corporate revolvers and construction/project loans.</li>
<li>Prepare credit memos with clear narratives, risk assessments, mitigants, and recommendations.</li>
<li>Analyze borrower/guarantor financials, cash flows, collateral structures, market conditions, and sponsor strength.</li>
<li>Develop and maintain financial models and sensitivities (e.g., DSCR, LTV, coverage ratios, stress scenarios).</li>
</ul></li><li>Credit Risk Assessment and Approval
<ul><li>Assess creditworthiness using quantitative/qualitative frameworks; identify key risks and mitigants.</li>
<li>Coordinate with Risk and Credit Administration to support timely approvals and documentation.</li>
<li>Ensure adherence to internal credit policies, rating methodologies, and regulatory requirements.</li>
</ul></li><li>Closing and Documentation
<ul><li>Assist with closing workflows, documentation review, and conditions precedent tracking.</li>
<li>Partner with Legal, Operations, and Risk to ensure accurate loan setup and funding.</li>
</ul></li><li>Portfolio Management and Monitoring
<ul><li>Prepare annual and interim reviews; update borrower ratings with defensible rationale.</li>
<li>Monitor covenant compliance, financial reporting, collateral valuations, and market indicators.</li>
<li>Track regulatory reporting and internal controls; escalate exceptions and propose remediation plans.</li>
</ul></li><li>Client Marketing and Presentation
<ul><li>Assist with pitch materials, term sheets, and client presentations; maintain standardized templates.</li>
<li>Partner with Client Executives to support origination pipelines and client relationships.</li>
</ul></li><li>Team Collaboration and Development
<ul><li>Provide guidance to junior analysts/associates on models, memos, and best practices.</li>
<li>Contribute to platform/process enhancements; share insights to improve speed and quality.</li>
</ul></li></ul>To be successful in this role, we&rsquo;re seeking the following:
<ul>
<li>Bachelor&rsquo;s degree in Finance or equivalent combination of education and experience is required. MBA is preferred.</li>
<li>3&ndash;5 years of total work experience, preferably in real estate lending or commercial banking preferred.</li>
<li>Demonstrated experience in credit analysis, underwriting, and portfolio monitoring preferred.</li>
<li>Experience with Public REITs, construction lending, project finance, or agency functions preferred.</li>
<li>Familiarity with loan documentation, covenant structures, and regulatory reporting preferred.</li>
</ul>
At BNY, our culture speaks for itself, check out the latest BNY news at:

BNY Newsroom

BNY LinkedIn

Here&rsquo;s a few of our recent awards:
<ul>
<li>America&rsquo;s Most Innovative Companies, Fortune, 2025</li>
<li>World&rsquo;s Most Admired Companies, Fortune 2025</li>
<li>&ldquo;Most Just Companies&rdquo;, Just Capital and CNBC, 2025</li>
</ul>
Our Benefits and Rewards:

BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life&rsquo;s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.

BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.

BNY assesses market data to ensure a competitive compensation package for our employees. The base salary for this position is expected to be between $90,000 and $120,000 per year at the commencement of employment. However, base salary if hired will be determined on an individualized basis, including as to experience and market location, and is only part of the BNY total compensation package, which, depending on the position, may also include commission earnings, discretionary bonuses, short and long-term incentive packages, and Company-sponsored benefit programs. 
This position is at-will and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation) at any time, including for reasons related to individual performance, change in geographic location, Company or individual department/team performance, and market factors.</div>

Senior Specialist, Real Estate Lending

<div>CRM Data and Reporting Fleet:
 
The CRM Data and Reporting Fleet is responsible for defining and delivering a centralized, standardized, and modern data and reporting capability for Credit Risk Management. The Fleet brings together data strategy, curation, governance, and reporting delivery to establish a single source of truth for risk reporting, while enabling scalable, self service analytics through modern platforms such as Power BI and Analyze in Excel
 
 
Data and AI Strategy Squad:
 
The Data and AI Strategy Squad sits at the core of the Fleet and defines the end-state data, reporting, and AI-Capabilities, operating model, and governance standards. The squad works closely with reporting teams, data management, and technology partners to translate strategic priorities into executable frameworks, procedures, and scalable solutions aligned with firm-wide modernization initiatives.
 
 
Background on the Position:
 
We are seeking an Associate to join the CRM Data and Reporting Fleet within the Data and AI Strategy Squad. This role sits at the intersection of strategy, execution, and enablement, supporting both the day-to-day operation of the Fleet and longer-term data, reporting, and AI modernization initiatives.
 
The successful candidate will work closely with the Data and AI Strategy lead and act as a force multiplier across the Fleet-helping coordinate work across squads, maintain operational discipline, and ensure strategic priorities are translated into clear, executable plans.
 
The role provides broad exposure to CRM reporting, data curation, semantic model design, BI tooling, and emerging AI-enabled reporting capabilities, and requires close collaboration with Credit Risk IT, reporting teams, and business stakeholders.
 
 
Primary Responsibilities:
 
Data Curation, Modeling, and Reporting Delivery
 
<ul><li>Support data curation processes and contribute to logical and semantic model design
</li><li>Enhance and maintain Power BI dashboards and Analyze in Excel reports
</li><li>Help ensure reporting solutions are scalable, well-structured, and aligned with Fleet data standards
</li></ul>Operational Frameworks, Procedures, and Documentation
 
<ul><li>Contribute to the development and maintenance of fleet-wide operating procedures, documentation, and workflows
</li><li>Support governance, control, and standards adoption to ensure consistency as the platform evolves
</li></ul>Technology and Stakeholder Collaboration
 
<ul><li>Partner with Credit Risk IT and key stakeholders to support data, reporting, and AI modernization initiatives
</li><li>Help bridge strategy, technology, and execution across squads
</li></ul>Fleet Enablement and Operations
 
<ul><li>Support Fleet-level coordination across squads, including tracking progress, reviewing Rally/JIRA artifacts, and following up on actions
</li><li>Maintain collaboration spaces and working materials to ensure transparency and effective execution
</li></ul>AI and Innovation Enablement
 
<ul><li>Support AI-enabled reporting and analytics initiatives by understanding user needs and identifying process improvement opportunities
</li><li>Assist with the adoption of modern tools, automation, and AI-driven capabilities across reporting and operational workflows Skills/Experience Required:
</li><li>2-4 years of experience in a business and/or data analysis role within Financial Services, Consulting, Accounting, or Corporate Finance
</li><li>Strong understanding of relational databases and data curation concepts, with hands on experience using SQL (joins, keys, relationships)
</li><li>Experience maintaining logical and physical data models and contributing to curated data pipelines
</li><li>Working experience with Power BI or other data visualization tools, including exposure to semantic model design
</li><li>Foundational understanding of AI and analytics concepts, including awareness of the differences between traditional machine learning, large language models (LLMs), and agent-based or agentic workflows
</li><li>Proficient in Excel and PowerPoint for reporting, analysis, and issue investigation
</li><li>Well organized, detail oriented, and comfortable working in a fast paced, collaborative environment
</li></ul> 
Additional skills (nice to have):
 
<ul><li>Working knowledge of Python for data analysis or automation
</li><li>Experience with Rally and/or JIRA for agile delivery and backlog management
</li><li>Exposure to Snowflake or other modern cloud data platforms
</li></ul>WHAT YOU CAN EXPECT FROM MORGAN STANLEY:
At Morgan Stanley, we raise, manage and allocate capital for our clients &ndash; helping them reach their goals. We do it in a way that&rsquo;s differentiated &ndash; and we&rsquo;ve done that for 90 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren&rsquo;t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you&rsquo;ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There&rsquo;s also ample opportunity to move about the business for those who show passion and grit in their work.
To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices into your browser.
Expected base pay rates for the role will be between $100,000 and $140,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs.
Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background. Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.
Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.
For more information, please visit : https://www.morganstanley.com/people-opportunities/eeo .</div>

Credit Risk Reporting (Risk Management) : Job Level - Associate

Explore 449+ Credit risk analyst in New York this April. Find roles across top companies and apply now to boost your career.