credit risk analyst

Fiserv

<div>Calling all innovators &ndash; find your future at Fiserv.
We&rsquo;re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day &ndash; quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we&rsquo;re involved. If you want to make an impact on a global scale, come make a difference at Fiserv.
Job Title
Credit Risk Analyst
What does a successful credit risk analyst do at FISERV ?<ul><li>
A self-starter, to perform tasks with autonomy and make decisions.</li><li>
An analytical mindset to learn and understand different business models and assess the potential risks</li><li>
Collaborate with internal and external stakeholders to drive the consensus on risk approach</li></ul>
What will you do:
<ul><li>Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, South East Asia (HK, Singapore, Malaysia)</li><li>
Perform credit analysis and underwriting for prospective accounts</li><li>
Review credit history to assess credit worthiness of new prospective clients. Ensures a balanced risk and revenue trade-off consistent with credit policy and loss target expectations.</li><li>
Apply credit risk guidelines, policies and procedures in letter and spirit. Also conduct periodic reassessment of the policies and procedures based on the industry trends and portfolio performance.</li><li>
Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis.</li><li>
Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships</li><li>
Investigations include the gathering of data from various sources &amp; systems and interpreting the data to manage the risk.</li></ul>
What will you need to know:
<ul><li>Ability to understand and evaluate financial statements comprehensively</li><li>
Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests.</li><li>
A successful analyst must have the ability to work in a fast-paced environment, be able to make real time / accurate decisions and manage/mitigate potential risks in the portfolio</li><li>
Role needs good verbal and written communication skills to manage internal stake holders and external stake holders i.e. business team, legal team, compliance team and customers.</li><li>
Time management skills well as good negotiation ability is must.</li></ul>
What would be great to have:
<ul><li>Background in payment industry or fintech company</li><li>
Data analytics</li><li>
Prior experience in risk management</li></ul>
Thank you for considering employment with Fiserv. Please:<ul><li>
Apply using your legal name</li><li>
Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).</li></ul>
Our commitment to Diversity and Inclusion:
Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.
Note to agencies:
Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.
Warning about fake job posts:
Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.</div>

Credit Risk Analyst

M&T Bank

<div><div>Overview:</div><div>
Perform advanced data and credit risk analysis to identify and quantify risks in the retail credit portfolios. Support unit in data analysis, portfolio deep dives, and effective challenge activities.</div><div></div><div>
Primary Responsibilities:</div><ul><li>
Leverage internal Credit Risk databases to perform independent data and credit analysis</li><li>
Monitor and evaluate retail credit performance of the retail portfolios through independent analysis of portfolio data and review of key reporting.</li><li>
Provide effective challenge to business strategies through inquiry and review with business management.</li><li>
Generate independent analysis and/or loss estimates to provide effective challenge during credit loss forecasting exercises.</li><li>
Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management.</li><li>
Provide guidance and direction to lower-level analysts regarding all aspects of data analysis and credit modeling</li><li>
Understand and adhere to the Company&rsquo;s risk and regulatory standards, policies and controls in accordance with the Company&rsquo;s Risk Appetite. Identify risk-related issues needing escalation to management.</li><li>
Maintain M&amp;T internal control standards, including review of 1st line credit control activities per the Company&rsquo;s Credit Risk Management policy.</li></ul><div></div><div>
Education and Experience Required:</div><div>
Bachelor degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, 
OR in lieu of degree, 
A combined minimum of 7 years higher education and/or work experience to include a minimum of 3 years relevant experience. 
-OR- 
Master&rsquo;s degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 1 year relevant experience, 
OR in lieu of degree, 
A combined minimum of 7 years higher education and/or work experience to include a minimum of 1 year relevant experience. 
 
Minimum of 3 years relevant experience 
Banking or Financial Services experience. Credit Analysis experience preferred. Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages. 
Advanced Knowledge of SQL and Microsoft Office. 
Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. 
Demonstrated ability to communicate complex concepts. 
Demonstrated ability to manipulate and analyze data across large databases.</div><div></div>
M&amp;T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $82,783.41 - $137,972.36 Annual (USD). The successful candidate&rsquo;s particular combination of knowledge, skills, and experience will inform their specific compensation.<div></div><div>
Location</div>
Buffalo, New York, United States of America</div>

Senior Consumer Credit Risk Analyst

JPMorganChase

<div>JOB DESCRIPTION<div> 
<div><div><div><div>J.P. Morgan Wealth Management is a global leader in investment and wealth management, serving institutions, high-net-worth individuals, and retail investors worldwide.
As an analyst in the Securities Based Lending Team at JP Morgan's Asset and Wealth Management Credit Middle Office, you will support client credit needs by evaluating asset portfolios for lines of credit, focusing on creditworthiness and collateral analysis. Responsibilities include annual credit line reviews, client data analysis, and accurate loan documentation preparation.
Job Responsibilities:
<ul><li>Prepare the analysis of a client prior to underwriting, including pulling client credit and generating a collateral analysis.</li>
<li>Review lines of credit annually and build recommendations for renewal or modification.</li>
<li>Analyze client data across multiple systems and conduct preliminary reviews for credit criteria.</li>
<li>Review and prepare loan documentation with high accuracy.</li>
<li>Ensure documentation consistency with federal and local regulations.</li>
<li>Develop an understanding of the Underwriting process to grow into a Lender role.</li>
<li>Collaborate with business partners to enhance process efficiency.</li>
</ul>Required qualifications, skills, and capabilities:
<ul><li>Minimum of 6 months of experience with Underwriting, Credit Risk, and/or Collateral Valuation.</li>
<li>Bachelor&rsquo;s degree in Finance, Economics, or a related field.</li>
<li>Working knowledge of financial markets and asset vehicles like Mutual Funds, Equities, and Fixed Income.</li>
<li>Strong interpersonal skills, especially with business partners.</li>
</ul>Preferred qualifications, skills, and capabilities:
<ul><li>Intermediate Microsoft Office skills, particularly Excel, Word, and SharePoint.</li>
<li>Strong understanding of controls for an error-free environment.</li>
<li>Ability to review processes and recommend improvements.</li>
<li>Excellent communication skills with various organizational levels.</li>
</ul></div></div></div></div></div>ABOUT US<div> 
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 
 
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.</div> 
 
 
ABOUT THE TEAM 
 
J.P. Morgan Asset &amp; Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.</div>

Credit Risk - Operations Analyst

Citi

<div>Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams. 
In this role, you&rsquo;re expected to:<ul><li>
Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.</li><li>
Manages the risk associated with new and existing borrowing relationships through the following:</li><li>
Performs spreads of client business financial statements</li><li>
Creates Customer Accounting Systems&rsquo; through Credit Platform</li><li>
Recognizes potential client risk through early warning systems</li><li>
Performs periodic financial statement review</li><li>
Tracks established financial covenants</li><li>
Monitors compliance to borrowing base credit facility</li><li>
Accompanies Underwriting Manager on customer site visits (when appropriate)</li><li>
Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.</li><li>
Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Decisions
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Intermediate Analyst - Officer

<div>Underwriting (UW) is an integral part of the Institutional Credit Management (&ldquo;ICM&rdquo;) organization. UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi.
Underwriting Analysist and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio &amp; Industry Reviews and Stress Testing. 
Responsibilities:<ul><li>
Assess the credit and financial strength of Citi&rsquo;s Most Complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.</li><li>
Complete Credit Analysis write-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge.</li><li>
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners.</li><li>
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.</li></ul> 
Qualifications:<ul><li>
3-6 years of credit experience in Banking, Credit Risk Management or equivalent credit experience</li><li>
Strong proficiency in English (written and verbal). Knowledge of French / Arabic will be a plus.</li><li>
Strong analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.</li><li>
Background on both Corporate and Financial Institutions&rsquo; risk analysis will be a plus.</li><li>
Advanced industry research capabilities, including risk and key drivers.</li><li>
Ability to identify potential risk issues that need escalation and escalates them promptly.</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
-
Job Family Group:
Risk Management
-
Job Family:
Credit Decisions
-
Time Type:
Full time
-
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
-
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. 
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Risk Intmd Analyst - C11

Unison Consulting Pte Ltd

<div>We are looking for an experienced IT Business Analyst / Regulation Specialist with strong expertise in Basel III reforms and credit risk regulations. The role involves bridging regulatory requirements and technology solutions, ensuring accurate translation of credit risk regulations into system functionalities and reporting frameworks.
Key Responsibilities:<ul>
<li>Analyze and interpret Basel III reforms with a focus on credit risk regulations.</li>
<li>Translate regulatory requirements into business and system specifications for IT teams.</li>
<li>Collaborate with stakeholders across Risk, Compliance, and Technology to ensure effective delivery of regulatory changes.</li>
<li>Work with Moody&rsquo;s Risk Authority (MRA) to configure systems and align with regulatory standards.</li>
<li>Support regulatory reporting processes by leveraging expertise in credit risk data and frameworks.</li>
<li>Provide insights into RAY result tables/configurations and their impact on system design and reporting.</li>
<li>Track and assess changes in regional regulatory frameworks (MAS, HKMA, BNM) and advise stakeholders accordingly.</li>
</ul>Requirements<ul>
<li>Strong knowledge of Basel III reforms &ndash; credit risk regulations.</li>
<li>Proven experience as an IT Business Analyst in regulatory or risk management projects.</li>
<li>Excellent communication and stakeholder management skills.</li>
<li>Hands-on experience with credit risk regulatory reporting.</li>
<li>Familiarity with MAS, HKMA, and BNM regulations.</li>
<li>Experience with Moody&rsquo;s Risk Authority (MRA), especially in converting regulations into system requirements.</li>
<li>Understanding of RAY result tables/configurations.</li>
<li>Exposure to credit risk systems implementation and reporting frameworks.</li></ul></div>

IT Business Analyst (Regulation Specialist - Credit Risk)

<div>JOB DESCRIPTION<div> 
<div><div><div><div><div>Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team and to partner with the Business in order to provide a comprehensive view 
 
As a Credit Risk Analyst within the Risk Management team, you would be at the center of keeping JPMorgan Chase strong and resilient. You would help the firm grow its business in a responsible way by anticipating, identifying and managing new and emerging risks, and delivering high quality credit analysis of TCIO&rsquo;s fixed income portfolio which includes diversified investments across securitized and non-securitized asset classes.
Job responsibilities
<ul><li>Perform in-depth credit analysis for various TCIO investments across the fixed income spectrum. Engage with senior members of TCIO Credit Risk and the Portfolio Management teams to complete risk analysis, present conclusions and facilitate timely investment approvals</li>
<li>Participate in portfolio credit impairment projections as part of various Firmwide exercises including the industry-wide annual CCAR (Comprehensive Capital Analysis and Review) process and quarterly CECL (Current Expected Credit Losses) reserving process</li>
<li>Work alongside senior team members on product specific analysis required to support risk discussions, including preparation and delivery of analytical presentations for various Senior Risk forums</li>
<li>Participate in the development and maintenance of various credit loss models related to CCAR stress testing as well as CECL reserve projections. Liaise with independent Model Review teams to prepare model documentation, pass credible challenge and obtain usage approvals</li>
<li>Partner with the Front Office, Finance, Valuation Control Group, Model Review Group, Policy, Finance, Technology and Middle Office for other ongoing projects, thus contributing to continued build-out of the TCIO Credit Risk franchise</li>
</ul>Required Qualification
<ul><li>1-3 years of relevant work experience in credit risk management within a financial organization or credit rating agency</li>
<li>Undergraduate or Master&rsquo;s degree in a relevant discipline</li>
<li>Strong analytical background with sound understanding of financial statements, including ratio analysis, cash flow analysis, and fundamental knowledge of key accounting standards</li>
<li>Excellent verbal and written communication skills, with an ability to deliver effective presentations to senior management</li>
<li>Proficiency in Python or other analytical tools such as Alteryx &amp; Tableau</li>
<li>Demonstrated ability to partner effectively across different businesses and functional areas</li>
<li>Ability to work efficiently under pressure</li>
<li>Independent and strong critical thinking skills, with thorough attention to detail</li>
<li>Resourcefulness, and ability to multitask effectively</li>
</ul>Preferred qualifications, capabilities, and skills
<ul><li>Knowledge of regulatory requirements for fixed income portfolio, including CCAR stress testing and CECL loss reserving</li>
</ul></div></div></div></div></div></div>ABOUT US<div> 
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 
 
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.</div> 
 
 
ABOUT THE TEAM 
 
Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we&rsquo;re setting our businesses, clients, customers and employees up for success.</div>

Analyst – Credit Risk Management

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