Our client is seeking a Credit Risk Analyst to join a respected financial institution in New York, NY. This role supports the credit risk framework and ensures strong risk controls. You'll work with complex portfolios, collaborate across departments, and gain valuable exposure while contributing to the firm's stability. Join a knowledgeable team that values growth, learning, and collaboration.
Key Responsibilities:
In the capacity of Credit Risk Analyst based in New York, NY, you will assume a central role in safeguarding the financial integrity of the organization through meticulous evaluation of client creditworthiness. Your daily responsibilities will encompass close collaboration with cross-functional teams to review policies, monitor exposures within the credit portfolio, and provide insightful recommendations that underpin prudent decision-making. You will draw upon your technical proficiency in Excel for detailed data analysis and scenario modelling while preparing articulate presentations for senior leadership. By engaging in stress testing exercises and supporting the development of predictive models, you will contribute significantly to anticipating future risks before they materialize. Your ability to communicate complex information with clarity will ensure that all stakeholders remain apprised of current exposures as well as recommended courses of action. Success in this role is predicated not only upon quantitative aptitude but also upon exemplary interpersonal skills as you work harmoniously with colleagues from diverse departments towards shared objectives.
• Undertake comprehensive evaluations of creditworthiness for both prospective and existing clients, ensuring all assessments adhere meticulously to internal policies as well as prevailing regulatory standards.
• Assist in the formulation, implementation, and periodic review of credit risk management policies, procedures, and controls to guarantee uniformity and compliance throughout all business divisions.
• Monitor the organization's credit portfolio on an ongoing basis to discern emerging risks and propose judicious strategies for mitigating potential exposures.
• Support initiatives aimed at managing credit concentrations by analyzing portfolio composition and advocating for appropriate diversification measures.
• Employ advanced Microsoft Excel capabilities to analyze financial data, construct sophisticated risk models, and deliver actionable insights that inform senior management deliberations.
• Prepare high-caliber presentations utilizing PowerPoint for both internal stakeholders and external partners, articulating complex findings in a manner that is accessible yet thorough.
• Contribute to the design and execution of credit stress tests and scenario analyses intended to assess vulnerabilities under adverse market conditions.
• Provide assistance in developing robust risk models designed to forecast potential credit losses across various segments of the portfolio.
• Collaborate closely with Relationship Managers, Risk Control teams, and Compliance colleagues to evaluate risks holistically, devise action plans, and ensure alignment on all matters pertaining to risk.
• Serve as a resource for resolving intricate credit risk issues by identifying underlying causes expeditiously and recommending timely mitigation strategies. Key Requirements:
To excel as a Credit Risk Analyst within this esteemed environment, you will bring forth demonstrable experience from the United States banking industry, where you have cultivated profound expertise in evaluating credit exposures. Your background should reflect active participation in policy review processes as well as adept utilization of advanced Excel techniques for comprehensive data analysis. You will have shown your capacity to prepare compelling presentations that distil intricate information into actionable insights for decision-makers. A keen awareness of regulatory frameworks governing credit practices is vital, along with analytical thinking that enables thorough interpretation of financial statements. Your interpersonal strengths will facilitate effective collaboration across teams while maintaining open channels of communication with stakeholders at every level. Academic credentials underpinning your technical knowledge-ideally complemented by further professional qualifications-will complete your profile as an exemplary candidate for this prestigious opportunity.
• A minimum of three to four years' experience within the United States banking sector, focused specifically on credit risk management, is required for this appointment.
• Demonstrated mastery of Microsoft Excel, including advanced functionalities such as pivot tables and financial modelling techniques, is essential.
• Experience in crafting impactful presentations using PowerPoint with particular emphasis on data visualization is highly desirable.
• Familiarity with risk management software tools would be regarded as advantageous, though not obligatory.
• A comprehensive understanding of United States banking regulations pertinent to credit risk assessment is indispensable for success in this role.
• Exceptional quantitative abilities enabling you to interpret financial statements with precision and assess diverse types of risk exposures are expected.
• Outstanding written and verbal communication skills are required so you may present complex data lucidly to varied audiences.
• A Bachelor's degree in Finance, Economics, Business Administration, or a related discipline is mandatory; advanced certifications such as CFA or FRM would be considered beneficial. What sets this company apart:
This institution distinguishes itself within the financial services sector through its steadfast commitment to responsible risk management practices coupled with an unwavering dedication to employee development.
