credit risk analyst

Vervent

<div>Description:
<p><b>
Our ideal candidate is excited to become a part of a talented, fast-growing team and must display these three top (required) skills:</b></p><ul><li>
Basic to Intermediate experience with T-SQL, and Reporting Platforms.</li><li>
Excellent verbal and written communication skills.</li><li>
Strong analytical and problem-solving skills are required.</li></ul><p><b>
Overview:</b></p><p>
The Risk Team Analyst position primarily supports the development and maintenance of robust reporting and analysis on Vervent&rsquo;s various products. This reporting is vital to the success of Vervent&rsquo;s programs, investor performance, and strategic objectives. The Risk team is comprised of Credit Risk, Model Risk, Data Science and Financial Risk. While the Risk Analyst I will be trained and accountable to one of these areas, it is expected that the analyst understands the importance of providing accurate data and working with the other areas to ensure success.</p><p>
The Credit Risk Analyst will complete ad hoc analyses to drive business decisions and create reporting to demonstrate portfolio performance.</p><p><b>
Why Vervent? Company Perks:</b></p><ul><li>
Medical, FSA &amp; HSA, Dental, Vision + More!</li><li>
401k - 100% vested once you start contributing. Generous company match!</li><li>
Regular employee health, wellness &amp; engagement activities!</li><li>
Pet Insurance, because fur babies are important to us too!</li><li>
Beautiful local offices with on-site/hybrid options</li></ul><p><b>
About Vervent:</b></p><p>
As a fintech leader, Vervent sets the global standard for outperformance by delivering superior expertise, future-built technology, and meaningful services. We support our industry-leading partners with primary strategic services and our goal is to empower companies to accelerate business, drive compliance, and maximize service. To learn more, please visit Vervent.com.</p><p><b>
If you&rsquo;re interested in reviewing the full job description, continue reading below&hellip;</b></p><p><b>
Primary Responsibilities:</b></p><ul><li>
Ensure timely and accurate completion of all tasks and reporting.</li><li>
Proactively communicate status or issues impacting timeliness of reporting and/or task completion.</li><li>
Present findings and suggestions from analyses to various levels of management.</li><li>
Work with Sr. Analyst to review, enhance, build, and implement Predictive Models.</li><li>
Support testing, implementation, and management of underwriting criteria and models.</li><li>
Cross-train to other Risk functions (similar in responsibility) to ensure redundancy within the Risk team.</li><li>
Perform additional duties and responsibilities as required.</li></ul><p><b>
#LI-VW1 #LI-Remote</b></p>
Requirements:
<p><b>
Position Requirements:</b></p><ul><li>
Degree in Business Intelligence/Analytics, Finance, Mathematics, Statistics or equivalent work experience is preferred.</li><li>
1-5 years of job-related experience in a credit card/financial services environment is preferred.</li><li>
Excellent verbal and written communication skills.</li><li>
Strong analytical and problem-solving skills are required.</li><li>
Proficient knowledge of standard office equipment including PC skills with emphasis using Microsoft products.</li><li>
Basic to Intermediate experience with T-SQL, and Reporting Platforms.</li><li>
Familiarity with a statistical modeling software such as R, SAS, or Python.</li></ul><p><b>
Additional Vervent Details:</b></p><ul><li>
Founded in 1986, purchased by current CEO, David Johnson, in 2008</li><li>
Privately owned by Stone Point Capital, Vervent Management and other passive investors</li><li>
1,500 Employees</li><li>
Lines of Business:</li><li>
Primary Servicing &ndash; Loan, Credit Card, and Lease Servicing</li><li>
Capital Markets Services &ndash; Backup Servicing, Verifications, Structured Settlements, eVault, etc.</li><li>
Credit Card Programs &ndash; Fully-Managed Credit Card Programs (secured and unsecured), Managed Card Services, Application Processing</li><li>
Clients include consumer and small business &ldquo;marketplace&rdquo; lenders, finance companies, leasing companies, insurance companies, captive finance companies, alternative capital providers, consumers and banks.</li></ul><p>
To learn more, please visit Vervent.com.</p><p><b>
Physical Requirements:</b></p><p>
The work is of an intellectual nature. While performing the functions of this job, the employee is required to stand and sit for prolonged periods. Specific vision abilities required include close and medium distance vision and the ability to adjust focus. Must be able to hear normal sounds, distinguish sound as voice and communicate through human speech. This position requires the ability to operate a keyboard, computer mouse, telephone, fax, copier, writing tools, and other standard office equipment. On an occasion, an employee will be asked to lift items weighing up to 35 lbs.</p><p><b>
Other Duties:</b></p><p>
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.</p><p><b>
Salary:</b></p><p>
$54,750.00 - $73,000.00 per year</p></div>

Credit Risk Analyst

Fiserv

<div><div><div><p><b>Calling all innovators &ndash; find your future at Fiserv.</b></p><p></p><p>
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.</p><p></p><p><b>
Job Title</b></p>
Credit Risk Analyst<p></p><p><b>
About your role:</b></p><p>
As a Credit Risk Analyst, you assess merchant portfolios to identify, mitigate, and reduce fraud and credit losses for our clients and for Fiserv. You will partner closely with teams such as Funding, Legal, Operations, and Client Services to investigate suspicious merchant processing activity and recommend actions that protect the firm from financial loss while supporting strong client relationships.</p><p></p><p><b>
What you'll do:</b></p><ul><li>
Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios</li><li>
Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends</li><li>
Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services</li><li>
Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders</li><li>
Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure</li><li>
Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines</li><li>
Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps</li><li>
Complete special projects and ad hoc analyses to support risk initiatives and process improvements</li><li>
Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations</li></ul><p></p><p><b>
Experience you'll need to have:</b></p><ul><li>
3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning</li><li>
2+ years of customer service or client-facing experience, including handling complex or adverse situations</li><li>
Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation</li><li>
Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data</li><li>
Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment</li><li>
Bachelor&rsquo;s degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience</li></ul><p></p><p><b>
Experience that would be great to have:</b></p><ul><li>
Prior credit risk experience within merchant acquiring, card processing, or payments</li><li>
Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs</li><li>
Bilingual language skills (for example, Spanish, French, and/or English)</li></ul><p></p><p><b>
How you'll work:</b></p><ul><li>
This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.</li><li>
This role requires use of a computer and audio equipment.</li></ul><p></p><p><b>
Sponsorship:</b></p><ul><li>
You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.</li></ul><p></p><p><b>
Benefits at Fiserv:</b></p><ul><li>
Fuel Your Life program to support your physical, financial, social, and emotional well-being.</li><li>
Paid holidays and generous time away policies.</li><li>
No-cost mental health support through Employee Assistance Programs.</li><li>
Living Proof program to recognize your peers&rsquo; extra effort with points redeemable for rewards.</li><li>
Eight Employee Resource Groups to foster a collaborative culture and expand your network.</li><li>
Unparalleled professional growth with training, development, and internal mobility opportunities.</li><li>
Medical, dental, vision, life, and disability insurance options available from day one.</li><li>
Retirement planning and discounted shares with the Employee Stock Purchase Plan.</li><li>
Tuition assistance and reimbursement program.</li><li>
Paid parental, caregiver, and military leave.</li></ul><p></p><p>
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.</p><p></p><p>
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.</p><p></p><p><i>
Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.</i></p><p></p><p>
Thank you for considering employment with Fiserv. Please:</p><p></p><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><p></p><p><b>
Our commitment to Equal Opportunity:</b></p><p>
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.</p><p></p><p>
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv&rsquo;s Disability Accommodation Policy for additional information.</p><p></p><p><b>
Note to agencies:</b></p><p>
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.</p><p></p><p><b>
Warning about fake job posts:</b></p><p>
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.</p></div></div></div><p></p>

HALA

<div>
 <p>
  <strong>
   Who Are We
  </strong>
 </p>
 <p>
  <br/>
  HALA is a leading fintech player in the MENAP region that aims to redefine financial services and build the future bank of SMEs. HALA aims at empowering SMEs to start, run, and grow their businesses by providing them with cutting-edge financial and technological tools.
 </p>
 <p>
  <br/>
  HALA currently holds multiple entities in UAE, Saudi Arabia and Egypt (including HALA Payments and HALA Logistics) and offers solutions that enable merchants to digitize their payments as well as manage their sales and operations.
 </p>
 <p>
  <br/>
  Founded in 2017, HALA is currently licensed by the Saudi Arabian Central Bank.
 </p>
 <p>
 </p>
 <p>
  <strong>
   Job Summary:&nbsp;
  </strong>
 </p>
 <p>
  We&rsquo;re looking for a Credit Risk Analyst to assess SME credit applications, analyze financial data and repayment capacity, and support sound credit decisions in line with internal risk policies and Saudi regulatory requirements. The role works closely with risk, operations, and product teams to ensure accurate evaluations and improve credit processes.
 </p>
 <p>
  <strong>
   Tasks &amp; Responsibilities:
  </strong>
 </p>
 <ul>
  <li>
   Review, validate, and process credit applications submitted by customers, ensuring all required documentation is complete and accurate.
  </li>
  <li>
   Conduct financial analysis of applicants, including income verification, debt analysis, repayment capacity, and credit history assessment.
  </li>
  <li>
   Apply internal credit policies, risk frameworks, and regulatory guidelines to make informed credit decisions.
  </li>
  <li>
   Identify potential risks, red flags, and inconsistencies in applications, escalating cases when necessary.
  </li>
  <li>
   Communicate with internal teams (sales, operations, risk) to resolve missing information or discrepancies.
  </li>
  <li>
   Maintain accurate records of all processed applications, approvals, declines, and justifications.
  </li>
  <li>
   Support continuous improvement by providing feedback on process gaps and suggesting enhancements to credit evaluation procedures.
  </li>
  <li>
   Ensure compliance with company policies, data privacy standards, and local regulatory requirements
  </li>
 </ul>
 <p>
  <strong>
   Qualifications and Experience:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor&rsquo;s degree in Finance, Economics, Statistics, Mathematics, or a related quantitative discipline.
  </li>
  <li>
   3-5 years of experience in SME credit risk underwriting and analysis and financial statement analysis preferably within fintech, microfinance, banking, or payment services.
  </li>
  <li>
   Experience partnering with Collections, Credit Operations and Product teams to improve processes and products.
  </li>
  <li>
   Proficiency in Excel and Metabase.
  </li>
  <li>
   Strong understanding of SME risk assessment methodologies, and regulatory frameworks in Saudi Arabia.
  </li>
  <li>
   Excellent communication skills, both verbal and written.
  </li>
  <li>
   Ability to work independently, manage deadlines effectively, and maintain attention to detail.
  </li>
 </ul>
 <p>
  <strong>
   Competencies:
  </strong>
 </p>
 <ul>
  <li>
   Analytical thinking and problem-solving
  </li>
  <li>
   Ability to communicate ideas through data
  </li>
  <li>
   Effective time management and organizational skills
  </li>
  <li>
   High level of professionalism and integrity
  </li>
  <li>
   Collaborative team player
  </li>
 </ul>
 <p>
 </p>
 <p>
  &nbsp;
 </p>
 <strong>
  What We Offer You
  <br/>
 </strong>
 <strong>
  We believe you will love working at HALA!
 </strong>
 <ul>
  <li>
   We have an inclusive and diverse culture that encourages innovation and flexibility in remote, in-office, and hybrid work setups.
  </li>
  <li>
   We offer highly competitive compensation packages, including the potential for shares.
  </li>
  <li>
   We prioritize personal development and offer regular training and an annual learning stipend to tackle new challenges and grow your career in a hyper-growth environment.
  </li>
  <li>
   Join a talented team of over 30 nationalities working in 7 countries and gain valuable experience in an exciting industry.
  </li>
  <li>
   We offer autonomy, mentoring, and challenging goals that create incredible opportunities for both you and the company.
  </li>
  <li>
   You will be given a lot of responsibility and trust.&nbsp;We believe that the best results come when the people responsible for a function are given the freedom to do what they think is best.
  </li>
 </ul>
 &nbsp;
 <strong>
  If you think you have what it takes to join a remarkable team #apply_now&nbsp;
 </strong>
 <p>
  &nbsp;
 </p>
</div>


Vistra Energy

<div><div>If you have what it takes to become part of the Vistra family and would like to start a promising career with a global leader, take a look at the exciting employment opportunities that are currently available and apply online.</div><div></div><div>
Job Summary</div>
This position provides support to the Credit Risk organization and is responsible for a number of daily and monthly deliverables. The Credit Risk department is responsible for the management of all aspects of the credit risk mitigation effort including researching and analyzing new and existing counterparties to determine appropriate levels of exposure, managing collateral requirements, negotiating and structuring of contracts and credit support arrangements, and monitoring and reporting of credit exposures and events.<div></div><div>
Job Description</div><div>
Key Accountabilities</div><div>
&bull;Manage dynamic credit requirements associated with Exchange Counterparties, including, but not limited to, forecast and analysis of collateral requirements&bull;Perform daily bilateral margining activities, including reporting, dispute resolution and maintaining counterparty relationships&bull;Communicate with internal and external clients regarding margining, valuation disputes and collateral postings, as well as respond to credit risk queries in a timely manner.&bull;Monitor and maintain collateral postings, including cash, letters of credit negotiation, Guarantee renewals and lockbox cash disbursements.&bull;Perform reporting of business activities and ad hoc assessment of credit system issues/enhancements.&bull;Perform daily, monthly and quarterly reporting of business results and operational activities and <i>ad hoc</i> assessment of credit system issues/enhancements</div><div>
Education, Experience, &amp; Skill Requirements</div><div>
&bull;Undergraduate degree in finance, accounting, economics, engineering or related quantitative discipline.&bull;Experience with commercial credit risk, especially as it pertains to the energy sector, is a plus.&bull;Experience with Allegro ETRM a plus.&bull;Working knowledge of Visual Basic, C++, SQL, SAS and/or other relevant programming language a plus.&bull;Proficiency in Microsoft Office products (Excel, Word, Access and Power Point).</div><div>
Key Metrics</div><div></div><div>
&bull;Margin call (sending and receiving) timeliness and accuracy&bull;Trading exception timeliness and accuracy&bull;Credit risk completeness and accuracy&bull;SOX and Operational controls compliance&bull;Thoroughness of counterparty reviews</div><div></div><div>
#LI-Hybrid</div><div>
#LI-ND1</div><div></div><div>
Job Family</div>
Risk Management<div></div><div>
Company</div>
Vistra Corporate Services Company<div></div><div>
Locations</div>
Irving, Texas<div></div>
Texas<div><div><div><div><div><div><div><div><i>
We are a company of people committed to: Exceeding Customer Expectations, Great People, Teamwork, Competitive Spirit and Effective Communication. If this describes you, then apply today!</i></div></div></div></div></div></div></div></div><div></div><div><i>
If you currently work for Vistra or its subsidiaries, please apply via the internal career site.</i></div><div></div><div>
It is the policy of the Company to comply with all employment laws and to afford equal employment opportunity to individuals in all aspects of employment, including in selection for job opportunities, without regard to race, color, religion, sex, sexual orientation, gender identity, pregnancy, national origin, age, disability, genetic information, military service, protected veteran status, or any other consideration protected by federal, state or local laws.</div><div></div><div><div><br>
If you are an individual with a disability and need assistance submitting an application or would like to request an accommodation, please email us at assistance@vistraenergy.com to make a request.</div></div></div>

<div><div><div><p><b>Calling all innovators &ndash; find your future at Fiserv.</b></p><p></p><p>
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.</p><p></p><p><b>
Job Title</b></p>
Credit Risk Analyst | French Bilingual<p></p><p><b>
About your role:</b></p><p>
As a Credit Risk Analyst, you assess merchant portfolios to identify, mitigate, and reduce fraud and credit losses for our clients and for Fiserv. You will partner closely with teams such as Funding, Legal, Operations, and Client Services to investigate suspicious merchant processing activity and recommend actions that protect the firm from financial loss while supporting strong client relationships.</p><p></p><p><b>
What you'll do:</b></p><ul><li>
Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios</li><li>
Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends</li><li>
Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services</li><li>
Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders</li><li>
Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure</li><li>
Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines</li><li>
Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps</li><li>
Complete special projects and ad hoc analyses to support risk initiatives and process improvements</li><li>
Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations</li></ul><p></p><p><b>
Experience you'll need to have:</b></p><ul><li>
Must have working, bilingual proficiency in French and English.</li><li>
3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning</li><li>
2+ years of customer service or client-facing experience, including handling complex or adverse situations</li><li>
Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation</li><li>
Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data</li><li>
Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment</li><li>
Bachelor&rsquo;s degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience</li></ul><p></p><p><b>
Experience that would be great to have:</b></p><ul><li>
Prior credit risk experience within merchant acquiring, card processing, or payments</li><li>
Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs</li></ul><p></p><p><b>
How you'll work:</b></p><ul><li>
This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.</li><li>
This role requires use of a computer and audio equipment.</li></ul><p></p><p><b>
Sponsorship:</b></p><ul><li>
You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.</li></ul><p></p><p><b>
Benefits at Fiserv:</b></p><ul><li>
Fuel Your Life program to support your physical, financial, social, and emotional well-being.</li><li>
Paid holidays and generous time away policies.</li><li>
No-cost mental health support through Employee Assistance Programs.</li><li>
Living Proof program to recognize your peers&rsquo; extra effort with points redeemable for rewards.</li><li>
Eight Employee Resource Groups to foster a collaborative culture and expand your network.</li><li>
Unparalleled professional growth with training, development, and internal mobility opportunities.</li><li>
Medical, dental, vision, life, and disability insurance options available from day one.</li><li>
Retirement planning and discounted shares with the Employee Stock Purchase Plan.</li><li>
Tuition assistance and reimbursement program.</li><li>
Paid parental, caregiver, and military leave.</li></ul><p></p><p>
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.</p><p></p><p>
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.</p><p></p><p><i>
Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.</i></p><p></p><p>
Thank you for considering employment with Fiserv. Please:</p><p></p><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><p></p><p><b>
Our commitment to Equal Opportunity:</b></p><p>
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.</p><p></p><p>
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv&rsquo;s Disability Accommodation Policy for additional information.</p><p></p><p><b>
Note to agencies:</b></p><p>
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.</p><p></p><p><b>
Warning about fake job posts:</b></p><p>
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.</p></div></div></div><p></p>

Credit Risk Analyst | French Bilingual

JPMorganChase

<div><b>JOB DESCRIPTION</b><p><br>
</p><p><br>
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities.<br>
<br>
As a Credit Risk Analyst in the Risk Management and Compliance team, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. You will play a part in leading the credit origination and portfolio management of non-investment grade / leveraged companies covered by the Business Services team. You will engage in the structuring and underwriting of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring, and perform on-going portfolio monitoring. In each capacity, the Credit team works in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets, and many other product partners to meet the needs of clients. You will develop a broad and deep understanding of the business, , financial, competitive, and industry risks faced by clients in the assigned portfolio. You will work closely with the team&rsquo;s Credit Executive, Vice Presidents, and Associates on the team.<br>
<br>
<b>Job Responsibilities</b></p><ul><li>
Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors</li><li>
Prepare and present quarterly financial snapshot of the Business Services portfolio, as well as annual portfolio review materials to senior management</li><li>
Work closely with our middle office and data teams to ensure accuracy of credit system data</li><li>
Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations.</li><li>
Lead and/or participate in client due diligence by way of attending client, bank, and other meetings to develop a better understanding of client companies, management teams, and industry sectors, and using financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment</li><li>
Apply corporate finance and accounting expertise to develop appropriate financing structures, and prepare and review credit approval materials and annual review reports, ensuring all credit risk policies are followed</li>
Review legal documentation to ensure terms are appropriate and consistent with credit approval as well as to advance your knowledge and understanding of complex legal concepts related to corporate finance.<br>
<li>
</li></ul><p><b>Required Qualifications, Capabilities and Skills</b><br>
</p><ul><li>Bachelor&rsquo;s degree</li><li>
Possesses a solid understanding of financial products, corporate finance, and market dynamics</li><li>
Knowledge of and familiarity with financial statements and accounting</li>
Excellent communication skills, both verbal and written<br>
<li>
</li></ul><p><b>Preferred Qualifications, Capabilities and Skills</b><br>
</p><ul><li>Prior experience in commercial/investment banking, especially within a credit, structuring, and/or marketing focus</li><li>
Ability to effectively present analysis and interact with key stakeholders</li><li>
Capability to perform due diligence and effectively summarize findings</li><li>
Comfort with client-facing activities and communication</li><li>
Ability to perform well under pressure in a demanding environment
</li>Effective time management skills and ability to manage multiple tasks at the same time<br>
<li>
</li></ul><p></p><b>ABOUT US</b><br>
<div>
<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.
</div><p></p><div><p>We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
</p><div><p>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.</p>
<p>JPMorgan Chase &amp; Co. is an Equal Opportunity Employer, including Disability/Veterans</p><br>
</div></div></div><br>
<br>
<b>ABOUT THE TEAM</b><br>
<br>
J.P. Morgan&rsquo;s Commercial &amp; Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial &amp; Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.</div>

Risk Management - Credit Risk Analyst

<div><b>JOB DESCRIPTION</b><p><br>
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities.</p><p>
Job Summary
</p><p>As an Analyst, you will utilize your superior analytical skills, combined with credit and industry knowledge, to make and support credit decisions for a portfolio of clients. You will collaborate across credit risk and the business teams to meet client credit requests, while balancing the risk-return needs of the Firm. You will constantly monitor your portfolio to accurately assign risk ratings to clients and facilities, while ensuring a robust culture of compliance is adhered to at all times.
</p><p>Wholesale Credit Risk assesses, permissions, and manages credit and counterparty risks on an industry, client, geographic, and transaction basis. Credit Risk is independent within Corporate Risk Management, reporting to the firm&rsquo;s Chief Risk Officer (CRO). Our practices are designed to preserve the independence and integrity of decision making. The teams are generally organized by industry, and work closely with coverage and product groups to support business needs.
</p><p><b>Job Responsibilities
</b></p><ul><li>Conduct credit analysis and helps a deal team seek approval for lending and trading related transactions, including operating exposures, individually or as part of a deal team
</li><li>Create written credit approval documents, which include the spreading and presentation of historical financial statement information and the related financial analysis, as well as projections of future cash flows for large corporate borrowers</li><li>
Develop a well-informed and forward-looking view of the business, financial and competitive risks associated with a company and sector</li><li>
Manage and monitor a portfolio of client credit exposures, across industry classes, on an ongoing basis</li><li>
Take ownership of client credit needs and projects and independently develops a credit opinion</li><li>
Review and assign risk ratings and maintains updated credit research on their portfolio of clients</li><li>
Participate in credit due diligence process for clients, including for capital markets transactions</li></ul><p>
</p><p><b>Required Qualifications, Capabilities and Skills
</b></p><ul><li>Bachelor&rsquo;s degree with academic training in the principals of accounting, corporate finance capital markets products, and macro economics</li><li>
Strong analytical/financial modeling ability and excellent accounting and corporate finance expertise
</li><li>Strong verbal and written communication skills with an interest in client interaction
</li><li>An exceptional work ethic and highly motivated with a natural passion to learn and an inquisitive personality</li><li>
Ability to work well under pressure on teams in a demanding environment
</li><li>Capable of understanding, describing, and debating complex concepts</li><li><p>
Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word</p><p>
</p></li></ul><p><b>Preferred Qualifications, Capabilities and Skills
</b></p><ul><li>Some credit/underwriting credentials, analytical skills, and experience
</li><li>Previous Technology, Media, or Telecommunications experience
</li></ul><b>ABOUT US</b><br>
<div>
<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.
</div><p></p><div><p>We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
</p><div><p>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.</p>
<p>JPMorgan Chase &amp; Co. is an Equal Opportunity Employer, including Disability/Veterans</p><br>
</div></div></div><br>
<br>
<b>ABOUT THE TEAM</b><br>
<br>
J.P. Morgan&rsquo;s Commercial &amp; Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial &amp; Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.</div>

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