3,939 Credit Risk jobs in the United States

*MANAGER CREDIT PORTFOLIO RISK*
WHAT IS THE OPPORTUNITY?
This position is responsible for providing Credit Risk oversight across the banks Residential Lending programs including conventional jumbo and government-insured loans (FHA, VA, USDA). Provide oversight on mortgage secondary marketing activities, including whole loan sales, bulk loan trades and securitization. Review and challenge credit policies, underwriting standards, and exception lending trends to ensure alignment with the bank's risk appetite.
WHAT WILL YOU DO?
* Review and challenge residential lending business strategies, underwriting standards, risk appetite metrics, and exception management frameworks and ensure alignment to risk appetite.
* Assess emerging risks in mortgage portfolios and ensure alignment to Regulatory requirements including OCC, FDIC, FRB and CFPB and GSE guidelines.
* Monitor secondary marketing activities and assess post sale credit risks including repurchase, early payment defaults.
* Design and deploy monitoring frameworks to assess the performance of new product launches
* Analyze, monitor risk metrics to understand and improve consumer and residential portfolio diversification
* Identify gaps in current policy requirements and current practices;
* Support preparations for internal audits, regulatory exams and model validations.
* Act as a liaison between Risk and Capital Markets, Mortgage Operations and Finance Teams.
* Support risk presentations for senior management that include portfolio activities, risk analytics, performance review.
* Reviews and monitor completeness, accuracy, and usefulness of established credit policies and procedures related to assigned portfolios. Recommends Credit Policy and procedure changes for approval by the appropriate management committee. Oversees implementation of changes following Credit Policy updates to 1LOD procedures and processes where appropriate.
* Support the credit risk framework that balances the Bank's current situation, desired credit culture, industry "best practices", risk tolerance, and regulatory expectations.
* Drive innovation in risk management practices by staying informed about industry trends, emerging risks, and new technologies, and integrating best practices into the Bank's risk framework.
* Work with Credit Administration team to innovate and iterate, the effectiveness and efficiency of credit risk management systems/ processes and improve credit underwriting in lending products.
WHAT DO YOU NEED TO SUCCEED?
*Required Qualifications**
* Bachelor's Degree or equivalent
* 8+ years of experience in a Consumer and Residential Lending environment required
* 8+ years of experience in credit, risk management, and regulatory supervision required
*Additional Qualifications*
* Strong sense of urgency and ability to meet deadlines.
* Prior in-depth knowledge of residential credit risk and portfolio management, secondary marketing activities, consumer credit underwriting, financial analysis, and regulatory requirements.
* Strong understanding of regulatory guidance related to residential lending and consumer products
* Knowledge of Excel, Access, MS PowerPoint, etc.
* Strong analytical and problem-solving skills.
* Through knowledge of Consumer and Residential credit products, policies, procedures and systems
* Strong verbal and written communication skills; ability to do business presentations to small groups.
* Ability to present clear, concise recommendations.
* Strong communication and interpersonal skills to collaborate across teams
* Ability to work with all levels of line and corporate management.
*WHAT'S IN IT FOR YOU?*
*Compensation*Starting base salary: $127,626 - $237,014 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:
* Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date
* Generous 401(k) company matching contribution
* Career Development through Tuition Reimbursement and other internal upskilling and training resources
* Valued Time Away benefits including vacation, sick and volunteer time
* Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs
* Career Mobility support from a dedicated recruitment team
* Colleague Resource Groups to support networking and community engagement
Get a more detailed look at our US
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at AND EQUAL OPPORTUNITY EMPLOYMENT*
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.
*Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
#LI-BD1

**Calling all innovators - find your future at Fiserv.**
We'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 - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we'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, a successful Credit Risk Analyst reviews and investigates merchant accounts to assess fraud and credit risk exposure, ensuring effective risk mitigation. You will join a dedicated team focused on delivering excellence and building trusted client relationships. You will be responsible for completing special projects as assigned. You will read and interpret documents, and calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Exercising discretion and independent judgment in making decisions, you will interact effectively and positively with all levels of personnel, partners, and vendors. You will also have the capability to work independently or in a team environment, especially under stressful situations.
**What you will do:**
+ Review and investigate merchant accounts to assess fraud and credit risk exposure.
+ Negotiate collateral requirements and restructuring terms as required.
+ Resolve merchant inquiries through scheduled calls.
+ Coordinate risk mitigation efforts with other areas of the business such as Funding, Legal, Operations, and Client Services.
+ Exercise discretion and independent judgment in making decisions.
**What you will need to have:**
+ High school graduate/GED and/or equivalent military experience.
+ 2+ years of experience in customer service.
+ Ability to work some weekends and holidays to meet deadlines.
**What would be great to have:**
+ Associate degree or bachelor's degree in finance or criminal justice and/or equivalent military experience.
+ 1+ year of experience in credit risk assessment.
+ Applicants must be authorized to work for any employer in the US. We are unable to provide employer sponsorship or take over sponsorship of an employer-sponsored visa.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ 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 lead to stronger productivity.
+ 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.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
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.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_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._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
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.
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 . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**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.

**Description**
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.

**Calling all innovators - find your future at Fiserv.**
We'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 - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we'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?**
The Credit Risk Analyst is a key player at Fiserv, committed to ensuring the quality and integrity of incoming merchant processing applications. By tracking and monitoring these applications through the Underwriting process, you will ensure they are handled within SLA. Your work empowers Fiserv to align with clients' futures while keeping a steady eye on today's realities. Join us in delivering excellence and inspiring possibilities in financial services.
**What you will do:**
+ Review incoming merchant processing applications and assess for decision.
+ Track and monitor incoming applications through the Underwriting process to ensure processing within SLA.
+ Verify quality standards of all applications.
+ Utilize 3rd Party resources to verify business operations and demographics.
+ Communicate with sales partners, merchants, and processors to resolve Risk/Underwriting inquiries or issues.
+ Review application documentation and reports to assess credit risk exposure to CardConnect and make sound decisions.
+ Assist with short and long-term projects as assigned.
**What you will need to have:**
+ 1-2 years of experience with credit reporting (individual and business).
+ 2+ years of experience with Microsoft Office Suite.
+ 2+ years of experience in a client facing role.
**What would be great to have:**
+ 1-3 years of experience in merchant processing industry or financial industry.
+ Bachelor's degree at an accredited university and/or equivalent military experience.
+ Knowledge of Card Brand rules and regulations with 2+ years of experience.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ 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.
+ 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.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
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.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_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._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
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.
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 . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**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.

**Calling all innovators - find your future at Fiserv.**
We'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 - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we'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, a successful Credit Risk Analyst works to identify, mitigate, and eliminate fraud and credit losses by conducting thorough investigations into potentially high-risk/suspicious merchant processing activities. This role is integral to protecting our firm and our clients from financial loss through diligent risk assessment and effective communication with internal and external partners. You will also be responsible for negotiating collateral requirements, resolving merchant inquiries, completing special projects, interpreting financial documents, reading and interpreting personal credit profiles, calculating figures and amounts such as discounts, interest, commissions, proportions, and percentages, and exercising discretion and independent judgment.
**What you will do:**
+ Make real-time decisions to identify situations requiring deeper investigation and recognize emerging fraud trends.
+ Coordinate risk mitigation and fraud remediation efforts across departments including Funding, Legal, Operations, and Client Services.
+ Communicate regularly with internal and external partners to present high-risk activities with recommended actions.
+ Review numerous accounts in a fast-paced environment to identify potentially high-risk/suspicious merchant processing activities.
+ Review and investigate merchant accounts to assess fraud and credit risk exposure.
**What you will need to have:**
+ 2+ years of experience in customer service or 1+ year of experience in fraud and risk analysis.
+ 2-year degree in a related field and/or equivalent military experience.
+ Proficiency in using programs such as Excel and Word.
+ Ability to multitask and manage deadlines.
+ Detail-oriented and organized.
**What would be great to have:**
+ Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Pre-Law, or a related field.
+ 1+ year of prior credit risk experience.
+ Familiarity with MasterCard and Visa Association rules and regulations.
+ Strong analytical, quantitative, and problem-solving skills.
+ Customer service experience with a track record of dealing with adverse situations.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ 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 lead to stronger productivity.
+ 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.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
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.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_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._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
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.
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 . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**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.

**Job Description**
Institutional Credit Management (ICM) is a critical component of Citi's First Line of defense for wholesale and counterparty credit risk (CCR) management. ICM works with Independent Risk teams to ensure best-in-class risk and controls, and client responsiveness. Key responsibilities of the group include credit analysis, documentation, risk identification, exposure monitoring and stress testing. ICM coordinates with credit management groups across Markets as well as Banking, Capital Markets and Advisory (BCMA) to ensure full alignment on business and regulatory goals, as well as consistency and best practices.
Within ICM Counterparty Credit Risk (CCR), ICM Funds Underwriting is a global team responsible for measuring, monitoring and controlling counterparty risk for Funds, covering Asset Management Companies, Investment Advisors as Agent, and Pension Funds.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi's Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
+ Review and provide recommendation on the risk rating across the Funds sector
+ Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Knowledge/Experience:**
+ Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience.
+ Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes.
+ Sound understanding of policies and procedures with the ability to execute change seamlessly.
+ Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks.
+ Solid and thorough knowledge of Citi´s systems
+ Experience in preparing presentations for seniors.
+ Full awareness and adherence to the control environment including Quality Assurance and Quality Control.
**Skills/Competencies:**
Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
+ Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds - Industry products and relevant CCR risk measures
+ Intermediate 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.
+ Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.
+ Displays robust industry research capabilities, including risk and key drivers.
+ Strong understanding of Credit Policy and procedures; proactively refers to resources as needed.
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly.
+ Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis.
+ Display a deep commitment and positive attitude to Citi and colleagues.
+ Be reliable and eager to undertake more functions and responsibilities.
+ Embrace the need for change and appreciate its benefits with natural curiosity.
+ Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas.
+ Strong interpersonal skills, with the ability to build relationships.
+ Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively.
+ Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority.
+ Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
+ Progressive experience with the internal ICM Templates and with financial modeling
**Qualifications:**
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
---
**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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**Primary Location:**
Irving Texas United States
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**Primary Location Full Time Salary Range:**
$76,230.00 - $106,370.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**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.
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**Anticipated Posting Close Date:**
Oct 08, 2025
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_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's EEO Policy Statement ( and the Know Your Rights ( poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.

**Description**
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.

**Description**
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.

Our client, a prominent financial services provider, is seeking a diligent and analytical Credit Risk Analyst to join their team in **Jacksonville, Florida, US**. This role is integral to evaluating the creditworthiness of clients and managing financial risk. You will play a key part in assessing loan applications, monitoring existing portfolios, and developing strategies to mitigate potential credit losses, ensuring the financial health and stability of the institution.

Responsibilities:

• Analyze financial statements, credit reports, and other relevant data to assess the credit risk of new and existing clients.
• Develop and maintain financial models to evaluate loan repayment capacity and risk exposure.
• Prepare comprehensive credit reports and recommendations for loan approval or denial.
• Monitor the credit performance of the loan portfolio, identifying early warning signs of potential defaults.
• Conduct industry and market analysis to understand economic factors affecting credit risk.
• Implement and refine credit policies and procedures to ensure compliance and effectiveness.
• Collaborate with loan officers, relationship managers, and other departments to provide insights on credit risk.
• Develop and present findings and recommendations to senior management and credit committees.
• Utilize risk management software and tools to track and report on credit risk metrics.
• Stay updated on regulatory requirements and best practices in credit risk management.
• Contribute to the continuous improvement of risk assessment methodologies.

Qualifications:

• Bachelor's degree in Finance, Economics, Mathematics, or a related field.
• 3+ years of experience in credit analysis, risk management, or a similar financial role.
• Strong understanding of financial statements analysis, ratio analysis, and cash flow assessment.
• Proficiency in credit scoring models and risk assessment techniques.
• Excellent analytical, quantitative, and problem-solving skills.
• Familiarity with regulatory requirements related to credit risk is a plus.
• Strong communication and presentation skills, with the ability to articulate complex information clearly.
• Proficiency in Microsoft Excel and other financial analysis tools.
• Ability to work effectively both independently and as part of a team.
• Detail-oriented with a commitment to accuracy and thoroughness.
• Experience with loan origination or portfolio management systems is advantageous.

This hybrid role offers a balance of in-office collaboration and remote flexibility. We provide a competitive salary, excellent benefits, and opportunities for professional growth within a leading financial organization.