credit risk associate

Morgan Stanley

<div><p><b>Morgan Stanley
</b></p><p></p><p><b>Credit Risk Analytics - Associate
</b></p><p></p><p><b>Profile Description
</b></p><p>We&rsquo;re seeking someone to join our team as an Associate in Credit Risk Analytics team.
</p><p></p><p><b>Firm Risk Management
</b></p><p>In the Firm Risk Management division, we advise businesses across the Firm on risk mitigation strategies, develop tools to analyze and monitor risks and lead key regulatory initiatives.
</p><p></p><p><b>Company Profile
</b></p><p>Morgan Stanley is an industry leader in financial services, known for mobilizing capital to help governments, corporations, institutions, and individuals around the world achieve their financial goals.
<br>
<br>
Since 1935, Morgan Stanley is known as a global leader in financial services, always evolving and innovating to better serve our clients and our communities in more than 40 countries around the world.
</p><p></p><p><b>What you&rsquo;ll do in the role:<br>
</b></p><div><br>
Primary job responsibilities include:
<br>
<ul><li>Understand the WM products in detail and have good knowledge to stress testing methodologies to calculate reserves under CECL &amp; IFRS9 approaches.
</li><li>Perform analyses to support enhancements to CCAR stress testing, CECL reserve, IFRS9 and Basel Capital methodologies for Wealth Management retail and wholesale lending products
</li><li>Collaborate with Credit Risk Coverage and modeling teams to develop and enhance stress testing methodologies and modeling approaches
</li><li>Produce and present business analytics for partners in Credit Risk Coverage and the Wealth Management business unit
</li><li>Produce documentation and presentations to effectively communicate key information to senior management and regulators
</li><li>Develop methods and tools to streamline and increase efficiency of various work streams Skillset
</li><li>Familiarity with capital and credit loss modeling (preferred)
</li><li>Proficiency in MS Excel and MS Access Database skills. Also, previous experience in data analytics of large data sets and coding experience (e.g., SQL, VBA, Tableau) a plus
</li><li>Excellent verbal and written communication, with ability to communicate effectively with senior management and regulators
</li><li>Process management and prioritization skills with ability to multi-task in a dynamic environment
</li><li>Strong relationship building and stakeholder management skills
</li><li>Self-motivated and proactive attitude, with relentless attention to detail
</li><li>Strong problem solving and implementation skills
</li></ul></div><p></p><p><b>What you&rsquo;ll bring to the role:
</b></p><div>Skills/Experience
<br>
<ul><li>Master's degree required (MBA, Master's in Finance/Economics)
</li><li>3-5 years of relevant experience in the financial industry
</li><li>Previous analytics and/ or credit risk management experience (preferred)
</li></ul></div><p></p><p><b>WHAT YOU CAN EXPECT FROM MORGAN STANLEY:
</b></p><p></p><p>We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 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.
</p><p></p><p>To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-officesinto your browser.
</p><p></p><p>Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.</p></div><p></p>

Credit Risk Analytics, Associate, Firm Risk Management

<div><p><b>Morgan Stanley
</b></p><p></p><p><b>Credit Risk Data Control - Associate
</b></p><p></p><p><b>Profile Description
</b></p><p>We&rsquo;re seeking someone to join our team as an Associate in Credit Risk Data Control team.
</p><p></p><p><b>Firm Risk Management
</b></p><p>In the Firm Risk Management division, we advise businesses across the Firm on risk mitigation strategies, develop tools to analyze and monitor risks and lead key regulatory initiatives.
</p><p></p><p><b>Company Profile
</b></p><p>Morgan Stanley is an industry leader in financial services, known for mobilizing capital to help governments, corporations, institutions, and individuals around the world achieve their financial goals.
<br>
<br>
Since 1935, Morgan Stanley is known as a global leader in financial services, always evolving and innovating to better serve our clients and our communities in more than 40 countries around the world.
</p><p></p><p><b>What you&rsquo;ll do in the role:<br>
</b></p><div><br>
<ul><li>Perform deep-dive, data-driven analysis of counterparty exposures across asset classes including Over the Counter (OTC) &amp; Cleared Derivatives, Prime Brokerage, Securities Financing, and other traded products.
</li><li>Contribute to internal stress testing, and scenario analysis processes.
</li><li>In-depth knowledge of macro-financial linkages and stress testing methodologies across risk types.
</li><li>Monitor firm-wide exposures, including counterparty, sector, product, and geographic concentrations, and assess how these evolve under different macroeconomic conditions.
</li><li>Validate and execute of firm-wide macroeconomic scenarios to assess the impact of systemic and idiosyncratic shocks on exposures.
</li><li>Investigate drivers of exposure changes (e.g., market moves, collateral fluctuations, trade activity) and assess risk implications which would contribute to credit metrics like Current Exposure (CE), Potential Exposure (PE), Effective Expected Positive Exposure (EEPE) etc.,
</li><li>Decompose exposures into market, product, and counterparty-level drivers to provide precise attribution and trend diagnostics.
</li><li>Identify wrong-way risk, right way risk, tail risk concentrations, and exposure sensitivities under dynamic market scenarios.
</li><li>Investigate and resolve data inconsistencies by working closely with Technology, Operations and Risk Reporting teams.
</li><li>Provide support to credit officers and business units by supplying up-to-date exposure and utilization metrics.
</li><li>Clearly communicate risk insights, breaches, or data concerns to senior stakeholders across regions.
</li><li>Serve as a key point of contact for exposure-related queries from credit officers, coverage teams, and business units.
</li><li>Support internal and external audits by documenting exposure controls, exception tracking, and process walkthroughs.
</li><li>Identify opportunities to automate manual tasks and enhance monitoring tools to support proactive risk management.
</li><li>Contribute to firmwide initiatives on risk management practices, credit limit framework revisions and exposure model upgrades.
</li><li>Technical skills such as data extractions via SQL, Python knowledge is a plus
</li></ul></div><p></p><p><b>What you&rsquo;ll bring to the role:
</b></p><p></p><div>Skills/Experience
<br>
<ul><li>Bachelor's or master's degree in finance, Economics, Engineering, Mathematics, or a related field.
</li><li>Approx. 5 years of relevant experience in counterparty risk or exposure management in a financial institution.
</li><li>Knowledge of traded products (OTC derivatives, repos, stock lending, cleared transactions).
</li><li>Familiarity with exposure credit metrics, Netting, and collateral concepts (ISDA/CSA/GMRA/GMSLA) etc.,
</li><li>High proficiency in Excel; experience with SQL, Python, or risk platforms is a plus.
</li><li>Strong attention to detail and analytical rigor with a commitment to data quality.
</li><li>Excellent communication and interpersonal skills to effectively engage with cross-functional teams.
</li><li>Knowledge of regulatory frameworks including Basel, CCAR is preferred.
</li></ul></div><p></p><p><b>WHAT YOU CAN EXPECT FROM MORGAN STANLEY:
</b></p><p></p><p>We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 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.
</p><p></p><p>To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-officesinto your browser.
</p><p></p><p>Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents.</p></div><p></p>

Credit Risk Data Control, Associate, Firm Risk Management

QNB Group

<div>
 <strong>
  About QNB
  <br/>
  <br/>
 </strong>
 Established in 1964 as the country&rsquo;s first Qatari-owned commercial bank, QNB Group has steadily grown to become the largest bank in the Middle East and Africa (MEA) region.
 <br/>
 <br/>
 QNB Group&rsquo;s presence through its subsidiaries and associate companies extends to more than 31 countries across three continents providing a comprehensive range of advanced products and services. The total number of employees is more than 28,000 serving up to 20 million customers operating through 1,000 locations, with an ATM network of 4,300 machines.
 <br/>
 <br/>
 QNB has maintained its position as one of the highest rated regional banks from leading credit rating agencies including Standard &amp; Poor&rsquo;s (A), Moody&rsquo;s (Aa3) and Fitch (A+). The Bank has also been the recipient of many awards from leading international specialised financial publications.
 <br/>
 <br/>
 Based on the Group&rsquo;s consistent strong financial performance and its expanding international presence, QNB currently ranks as the most valuable bank brand in the Middle East and Africa, according to Brand Finance Magazine.
 <br/>
 <br/>
 QNB Group has an active community support program and sponsors various social, educational and sporting events.
 <br/>
 <br/>
 Role Summary
 <br/>
 <br/>
 Working within the Financial Institutions team the incumbent will be responsible of updating ratings and financial figures in the system, gathering data required for credit analysis and performing financial analysis of banks and countries under the supervision of SVP, FI &amp; CB Credit Risk
 <br/>
 <br/>
 Role Description
 <br/>
 <br/>
 <ul>
  <li>
   Performs activities in accordance with the set Treasury strategies.
  </li>
  <li>
   Track the Financial performance of banks to which QNB Group is exposed to and report deviations from market expectations to management
  </li>
  <li>
   Monitor and reconcile outstanding exposures to banks and countries in system against books
  </li>
  <li>
   Observes and promotes cost consciousness and efficiency, and enhance productivity, to minimize costs, avoid wastes, and optimize benefits for the bank
  </li>
  <li>
   Act within the limits of the powers delegated to the incumbent
  </li>
  <li>
   Implements KPI&rsquo;s and best practices for Associate, Financial Institutions &amp; Correspondent Banking Credit Risk role.
  </li>
  <li>
   Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank
  </li>
  <li>
   Assists in building and maintaining strong and effective relationships with all other related units to achieve the Desk goals/objectives.
  </li>
  <li>
   Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Qualifications
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Bachelor&rsquo;s University graduate preferably with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology
  </li>
  <li>
   Must have strong mathematics and analytical skills
  </li>
  <li>
   Adhere to Bank limits at all times
  </li>
  <li>
   Interact with other Bank departments to ensure smooth relationship
  </li>
  <li>
   Establish contact with external clients as and when required
  </li>
  <li>
   Adhere to QCB and QNB policies and procedures at all times
  </li>
  <li>
   Prepare reports required by the desk
   <br/>
   <br/>
  </li>
 </ul>
 Note: you will be required to attach the following:
 <br/>
 <br/>
 <ul>
  <li>
   Resume/CV
  </li>
  <li>
   Copy of Passport or QID
  </li>
  <li>
   Copy of Education Certificate
  </li>
 </ul>
</div>


QNB3475 - Associate - FI and Correspondent Banking Credit Risk (Qatarization)

Standard Chartered Bank

<div><div><div><div><div><div><div><div><p>Job ID: 43119
 </p><p>Location: New Cairo, EG
 </p><p>Area of interest: Operations
 </p><p>Job type: Regular Employee
 </p><p>Work style: Office Working
 </p><p>Opening date: 6 Nov 2025
</p></div>
</div></div></div></div></div></div><p></p><div><div><div><div><div><div><div><div><b>Job Summary</b></div>
</div><div><div>
The Associate, Regulatory Reporting (Credit Information Department) plays a critical role in ensuring that all credit-related regulatory submissions are accurate, timely, and compliant with the requirements of the Central Bank of Egypt (CBE). This role is central to maintaining seamless communication and coordination between Standard Chartered Bank and regulatory authorities, specifically focusing on the management and reporting of credit information.</div><div>
The successful candidate will be tasked with maintaining the accuracy and currency of credit registry systems, overseeing access controls to regulatory portals, and developing strong relationships with both internal departments and external regulatory bodies. This role demands attention to detail, strong governance, and a commitment to effective risk management practices to build a culture of integrity and operational excellence.</div><div>
The Associate will support the credit reporting process, ensure complete and accurate data submission, and act as an expert contact point for audit and regulatory inquiries related to credit information. A commitment to continuous improvement, alongside fostering collaborative relationships across the bank, will be essential to the success in this position.</div></div></div><div><div><div><b>
Key Responsibilities</b></div>
</div><div><div>
The key responsibilities for this role include:</div>
<ul>
<li>Managing ownership of all credit information regulatory and audit requests, guaranteeing that submissions are compliant, comprehensive, and delivered promptly.</li>
<li>Building and sustaining productive working relationships across various business units such as Finance, Risk, Technology, and Operations to ensure integrated management of credit data and reporting processes.</li>
<li>Coordinating Non-Financial Regulatory Reports (NFRRs) submissions, acting as the liaison between the regional office and local teams to ensure seamless communications and compliance.</li>
<li>Maintaining access and oversight of electronic filing systems to manage credit documentation and declarations, ensuring data accuracy and regulatory compliance.</li>
<li>Establishing and updating a comprehensive Obligations Register encompassing all periodic regulatory instructions, ensuring accessibility and real-time updates for relevant team members.</li>
<li>Facilitating timely reporting to the Central Bank of Egypt, identifying and escalating any impediments affecting department performance including staffing and system issues.</li>
<li>Ensuring adherence to Departmental Operating Instructions (DOIs) and driving a risk-aware culture that prioritizes accurate, first-time-right reporting and fosters open engagement with auditors and regulators.</li>
<li>Managing audit and regulatory inquiries with accountability, collaborating with stakeholders to achieve timely resolution in accordance with internal standards and regulatory expectations</li>
<li>Collaborate with relevant teams to integrate country-specific regulatory nuances (such as updates in regulations and central bank circulars) into CID&rsquo;s processes and procedures. Engage with group, regional, and country stakeholders to document these changes as country deviations from global operating standards when necessary.</li>
<li>Verify approval authorities to ensure that all approvals are obtained from the correct levels, including any additional approvals required by specific policies or country underwriting rules.</li>
<li>Serve as the Department Crisis Coordinator (DCC) for the Business Continuity Plan.</li>
<li>Ensure timely and appropriate escalation of critical risk issues to governance committees or senior management, risk, or control functions as needed.</li>
</ul></div></div><div></div><div><div><ul><li>Carry out other duties assigned under Group, Country, Business, or Functional policies and procedures.</li>
<li>Oversee financial management and headcount/hiring for the CID in-country team.</li>
<li>Manage requirements related to change initiatives, enhancements, and migrations.</li>
<li>Review and manage productivity and capacity models for the Client Management in-country team.</li>
<li>Foster and maintain a strong compliance culture by conducting compliance monitoring through the Operational Risk Framework and proactively advising Country Compliance on compliance matters.</li>
<li>Support coordination, facilitation, and promotion of operational risk understanding, management, and implementation within the Unit.</li>
<li>Ensure all activities comply with Departmental Operating Instructions (DOI), Roles &amp; Responsibilities, and other procedures, reporting any deviations to appropriate authorities and securing necessary dispensations.</li>
<li>Implement effective MIS to monitor country performance, including Key Risk Indicators, analyze reports, and initiate corrective actions when needed.</li>
<li>Establish frameworks to ensure the Credit Information Department operates within the Group&rsquo;s risk appetite, managing relevant risks collaboratively with management, direct reports, and stakeholders.</li>
<li>Fulfill supervisory responsibilities in accordance with established supervisory principles.</li>
<li>Ensure compliance with all Central Bank of Egypt (CBE) instructions and those issued by the Central Credit Registry of the CBE.</li>
<li>Exemplify outstanding conduct and embody the Group&rsquo;s Values and Code of Conduct.</li>
<li>Take personal ownership of embedding the highest ethical standards, including regulatory and business conduct, across Standard Chartered Bank. This involves fully understanding and adhering to all applicable laws, regulations, guidelines, and the Group Code of Conduct.</li>
<li>Assist the CID Team to deliver on the Bank&rsquo;s Conduct Principles, focusing on Financial Crime Compliance and fostering The Right Environment.</li>
<li>Collaboratively and effectively identify, escalate, mitigate, and resolve issues related to risk, conduct, and compliance.</li>
<li>Demonstrate exemplary behavior aligned with the Group&rsquo;s Values and Code of Conduct.</li>
<li>Personally commit to upholding the highest ethical standards, ensuring full compliance with all relevant laws, regulations, guidelines, and the Group Code of Conduct.</li>
<li>Lead the Client Management Team to achieve the Bank&rsquo;s Conduct Principles outcomes, emphasizing Financial Crime Compliance and cultivating The Right Environment.</li>
</ul></div></div><div><div><div><b>Skills and Experience</b></div>
</div><div><div>
To excel in this role, candidates should demonstrate the following skills and experience:</div>
<ul>
<li>Comprehensive understanding and application of conduct and risk management principles within financial services, particularly in regulatory reporting contexts.</li>
<li>Proven capability to lead and manage teams effectively, while fostering an operational culture focused on excellence and continuous improvement.</li>
<li>Advanced expertise in process management, including credit reporting workflows and operational risk frameworks, with demonstrated attention to detail in data conversion and regulatory reporting.</li>
<li>Experience in developing and maintaining strong regulatory relationships, ensuring compliance with evolving guidelines and fostering transparent communication with oversight bodies.</li>
<li>Competence in regulatory filing, liaison, and handling complex audit and regulatory inquiries with an ability to interpret and apply regulatory standards accurately.</li>
<li>Strong analytical skills and proficiency with data management tools, including a high level of proficiency in MS Excel to manage and analyze large datasets efficiently</li>
<li>Strong knowledge of the CCR systems and reports related to the old CCR and new CCR systems.</li>
</ul></div></div><div><div><div><b>Qualifications</b></div>
</div><div><div><b>
Required qualifications include:</b></div><ul><li>
Demonstrated experience in managing individuals or teams within a financial or regulatory compliance environment, with the ability to inspire and develop talent.</li><li>
Excellent relationship-building skills to engage and collaborate with diverse stakeholders across multiple functions, ensuring alignment and delivery of robust risk management outcomes.</li><li>
Ability to make well-informed, risk-based decisions, balancing regulatory requirements with operational objectives and client needs.</li><li>
Strong command of English, with superior written and presentation skills necessary for clear and concise communication.</li><li>
In-depth knowledge of local regulatory frameworks, including customer due diligence, credit and lending regulations, and related risk management protocols.</li><li>
Familiarity with credit information systems and associated governance processes, alongside an understanding of audit procedures and controls applicable to credit reporting.</li><li>
Highly skilled in Microsoft Excel and other essential tools to support data analysis and regulatory reporting accuracy.</li></ul></div></div><div><div><div><b>
About Standard Chartered</b></div>
</div><div><div>
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.</div>
<div>Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.</div>
<div>Together we:</div>
<ul><li><b>Do the right thing</b> and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do</li>
<li><b>Never settle,</b> continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well</li>
<li><b>Are better together,</b> we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term</li>
</ul></div></div><div><div><div><b>What we offer</b></div>
</div><div><div><b>
In line with our Fair Pay Charter,</b> we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.</div>
<ul><li><b>Core bank funding for retirement savings, medical and life insurance,</b> with flexible and voluntary benefits available in some locations.</li>
<li><b>Time-off</b> including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.</li>
<li><b>Flexible working</b> options based around home and office locations, with flexible working patterns.</li>
<li><b>Proactive wellbeing support</b> through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits</li>
<li><b>A continuous learning culture</b> to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.</li>
<li><b>Being part of an inclusive and values driven organisation,</b> one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.</li>
</ul></div></div></div>
</div></div></div></div><div><div><p>www.sc.com/careers</p></div></div></div><div></div>

Associate, Regulatory Reporting (Credit Information Dept)

Fiserv

<div>
 <p>
  <strong>
   Job Posting Title: Credit Risk Analyst
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What does a successful do at FISERV?
  </strong>
 </p>
 <p>
  &middot; A self-starter, perform tasks with autonomy and make decisions.
 </p>
 <p>
  &middot; An analytical mindset to learn and understand different business models and assess the potential risks
 </p>
 <p>
  &middot; Collaborate with internal and external stakeholders to drive the consensus on risk approach
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What will you do:
  </strong>
 </p>
 <p>
  &middot; Credit Risk Analyst role is an APAC level role which will include markets like India, Australia, Southeast Asia (HK, Singapore, Malaysia)
 </p>
 <p>
  &middot; Perform credit analysis and underwriting for prospective accounts
 </p>
 <p>
  &middot; 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.
 </p>
 <p>
  &middot; 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.
 </p>
 <p>
  &middot; Manage the existing key merchant/partner portfolio to analyse/mitigate potential risk on periodic basis.
 </p>
 <p>
  &middot; Monitor operational performance on accounts and make a real time decision with respect to the potential risk/mitigants on the relationships
 </p>
 <p>
  &middot; Investigations include the gathering of data from various sources &amp; systems and interpreting the data to manage the risk.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What will you need to know:
  </strong>
 </p>
 <p>
  &middot; Ability to understand and evaluate financial statements comprehensively
 </p>
 <p>
  &middot; Ability to apply risk management concepts; collect and analyse exposure and loss data, respond efficiently and effectively to internal and external requests.
 </p>
 <p>
  &middot; 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
 </p>
 <p>
  &middot; 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.
 </p>
 <p>
  &middot; Time management skills well as good negotiation ability is must.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What would be great to have:
  </strong>
 </p>
 <p>
  &middot; Prior experience in risk management or credit analysis
 </p>
 <p>
  &middot; Background in payment industry or fintech company is an added advantage
 </p>
 <p>
  &middot; Data analytics
 </p>
</div>


Credit Risk Analyst

Santander Holdings USA Inc

<p>Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse Finance</p>Country: United States of America<p><b>Your Journey Starts Here:</b></p><p>Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.</p><p>An exciting journey awaits, if you are interested in exploring the possibilities <b>We Want to Talk to You!</b></p><p><b>The Difference You Make:</b></p><p>Responsible for underwriting and pro-active portfolio management of a portfolio of RWF transactions. Reporting to the SPG Underwriting and Portfolio Management (U&PM) team Manager.</p><p>Apply Bank's Credit policies and framework in support of risk management and business development.</p><p>Build strong relationships throughout the Bank. The main partner is the Structure Product Group / RWF product team. Other relevant partners in the bank are Credit, Relationship, and Legal Partners. Support U&PM Manger on special projects.</p><p>Responsibilities:</p><ul><li><p>Responsible for underwriting new RWF transactions to assist in the growth of the RWF portfolio.</p></li><li><p>Responsible for the quality, integrity and soundness of all credit analysis and underwriting, and proposing appropriate risk ratings in accordance with the Bank's credit policies and guidelines.</p></li><li><p>Responsible for making recommendations on renewals, modifications, and new transactions.</p></li><li><p>Maintain credit files in accordance with policy.</p></li><li><p>Manage credit approval process. Prepare presentations for credit committees. Respond to questions as they arise.</p></li><li><p>Work closely with and support product team in transaction execution. Coordinate with the corporate credit team and RM on relationship implications for RWF deals.</p></li><li><p>Review and validate cash flow models for new transactions and perform stress test analysis.</p></li><li><p>Have thorough knowledge of credit policies and procedures and ensure adherence to them. Proactively propose amendments to RWF policy to improve efficiency while remaining compliant with the wider bank policy.</p></li><li><p>Ensure regulatory and legal compliance is achieved on RWF transactions.</p></li><li><p>Perform ongoing portfolio monitoring of RWF transaction performance (including performance triggers) to identify and anticipate credit issues in a timely fashion. </p></li><li><p>Stay current on industry developments, update management as necessary, and propose rating changes when necessary to appropriately reflect credit quality of RWF transactions in the portfolio at all times.</p></li><li><p>Support RWF Manager on special projects.</p></li></ul><p><b>What You Bring:</b><br>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p><p><u>Qualifications/Education</u></p><ul><li><p>Bachelor's degree in Business Administration, Accounting, Finance, Economics or equivalent work experience. Quantitative background is a plus.</p></li><li><p>2 to 6 years' experience.</p></li></ul><p><u>Specialized Knowledge/Technical Skills</u></p><ul><li><p>Strong technical and analytical skills.</p></li><li><p>Strong attention to detail and organizational skills.</p></li><li><p>Knowledge of applicable laws and industry data sources.</p></li><li><p>Demonstrated experience working with multiple asset classes.</p></li><li><p>Deep knowledge of RWF cash flow models.</p></li><li><p>Understanding of legal documentation for ABS transactions.</p></li><li><p>Completion of a formal credit training program would be a plus.</p></li><li><p>Demonstrated track record of managing and leading transactions, within a team environment to manage, monitor and grow portfolio.</p></li><li><p>Ability to work well with others at all levels of the organization to obtain cooperation and to foster a business environment that is based upon mutual respect and teamwork.</p></li><li><p>Ability to work independently as needed to achieve objectives.</p></li><li><p>Knowledge of credit policies, procedures, regulations and applicable law.</p></li><li><p>Excellent written/verbal communication and interpersonal skills.</p></li><li><p>Proficiency in Microsoft software package, Word, Powerpoint, Excel & Outlook.</p></li><li><p>Programing skills would be a highly values plus.</p></li></ul><p><b>Certifications:</b></p><ul><li><p>Other: Completion of bank-certified course in Credit Training - Preferred.</p></li></ul><p><b>It Would Be Nice For You To Have:</b></p><ul><li><p>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</p></li><li><p>Experience in Microsoft Office products.</p></li></ul><p><b> What Else You Need To Know </b><b>:</b></p><p>The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.</p> <b><b>Base Pay Range</b></b> <p>Minimum:</p> $108,750.00 USD <p>Maximum:</p> $175,000.00 USD<p><b> Link to Santander Benefits: </b></p><p><u><b>Santander Benefits - 2025 Santander OnGoing/NH eGuide ()</b></u></p><p><b> Risk Culture: </b></p><p>We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.</p><p><b> EEO Statement: </b></p><p> At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander 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, genetics, disability, age, veteran status or any other characteristic protected by law. <br><br><b> Working Conditions </b>:</p><p> Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . <br><br><b>Employer Rights:</b></p><p>This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.</p><p><b> What </b><b> To Do Next </b><b>:</b></p><p>If this sounds like a role you are interested in, then please apply.</p><p> We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. </p><br><br><p><strong>Primary Location: </strong>New York, NY, Madison Ave Corp</p><br><p><strong>Other Locations: </strong>New York-New York</p><br><p><strong>Organization: </strong>Banco Santander S.A.</p>

Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse Finance

Citi

<div>The Credit Risk Analyst II is a developing professional role. Applies specialty area knowledge in monitoring, assessing, analyzing and/or evaluating processes and data. Identifies policy gaps and formulates policies. Interprets data and makes recommendations. Researches and interprets factual information. Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team.
<br>
<br>
<b>Responsibilities:</b><ul>
<li>The primary focus of the position is data quality support of global contract negotiations and trades which includes document review, data entry, exception reporting along with document scanning and document warehousing.
</li><li>The ideal candidate must have excellent technical skills and the ability to learn and work with a very complex in-house data management system.
</li><li>The position will require gaining a detailed familiarity with Citi&rsquo;s standard forms of documentation, technology, and internal procedures.
</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><br>
<b>
Qualifications:</b><ul>
<li>0-2 years relevant experience</li>
<li>Makes judgments and recommendations based on analysis and specialty area knowledge.
</li><li>Researches and interprets factual information.
</li><li>Identifies inconsistencies in data or results, defines business issues and formulates recommendations on policies, procedures or practices.
</li><li>Exchanges information in a concise and consistent way as well as be sensitive to diverse audience</li>
</ul><br>
<b>Education:</b><ul>
<li>Bachelor&rsquo;s/University degree or equivalent experience</li></ul><br>
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.<p><br>
-</p><p><b>
Job Family Group:
</b></p>Risk Management<p>
-</p><p><b>
Job Family:</b></p>
Credit Risk<p>
-</p><p><b>
Time Type:</b></p>
Full time<p>
-</p><p><b>
Most Relevant Skills
</b></p>Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.<p>
-</p><p><b>
Other Relevant Skills
</b></p>For complementary skills, please see above and/or contact the recruiter.<p>
-</p><p><i>
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.</i></p><p></p><p><i><br>
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 </i><i>Accessibility at Citi</i><i>.</i><br>
<br>
<i>View Citi&rsquo;s </i><i>EEO Policy Statement</i><i> and the </i><i>Know Your Rights</i><i> poster.</i></p></div>

Credit Risk Analyst (UAE Nationals Only)

Search 10000+ Credit risk associate jobs near you this November. New roles added regularly across leading industries. Apply today.