3,105 Credit Risk Management jobs in the United States

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.
**Responsibilities** :
- Lead regional and key risk reviews, ensuring compliance and mitigating threats.
- Critically evaluate assigned portfolios, identifying and assessing emerging risks.
- Drive continuous improvement of credit risk processes and standards for assigned entities.
- Oversee and validate corrective action plans for identified issues, addressing concerns from control functions.
- Lead the review and assessment of the Risk Appetite framework, ensuring its appropriateness, completeness, and usage trends.
- Review, challenge and provide approval for the assigned portfolio credits and/or recommendations to more senior credit officers as needed.
- Provide independent assessments on the accuracy and appropriateness of risk ratings and classifications for assigned portfolios.
- Assist the Risk Head in orchestrating regional and/or global tasks using innovative techniques and methodologies.
- Develop strategic plans to enhance the efficiency and effectiveness of the organization.
- Innovate and optimize the decision engine capabilities of the collections process, ensuring optimal treatments for each account.
- Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices.
- Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy.
- Partner with the Risk organization to refine the process of defining, extracting, and utilizing data.
- Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations.
- Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices.
- Manage and report control issues with full transparency, using advanced judgment and innovative techniques.
- Owning relevant scorecards and underwriting frameworks.
+ Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
+ Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
+ Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
+ Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
+ Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
+ Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
+ Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
+ Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
+ Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
+ Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
+ Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
+ Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
+ Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi's clients and the community.
+ Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
+ Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
+ Empathetically listens and understands others' positions before acting on issues; works to amplify voices that are minimized in the workplace
+ 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, as well as effectively supervise the activity of teams and create accountability with those who fail to maintain these standards
**Qualifications** :
+ 15+ years of experience
- Requires a broad and comprehensive understanding of the credit risk field, recognized as a subject matter expert.
- Demonstrated thought leadership, developing new techniques, methodologies, and approaches for credit risk management.
- Proven track record of innovation and groundbreaking developments in credit risk assessment and mitigation.
- Expertise in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis.
- Ability to drive change within and beyond the organization, shaping operational strategies and influencing industry standards.
- Exceptional communication skills, including clear articulation, effective presentation of complex information, and empathetic response.
- Advanced skills in mediating disputes and advocating for organizational interests with high-level stakeholders.
- Capability to challenge established norms and pioneer new approaches in complex domains.
- Proven ability to guide decision-making processes and implement technical solutions effectively.
**Education** :
Bachelor's/University degree, Master's degree preferred
This Director (C-15) position will be a Risk Manager on the North American Regional Credit team, reporting
to the Global Head - Commodities Risk, and be responsible for:
1) Risk Managing Commodities credit exposures.
2) Risk Approving new Commodities credit exposure transactions.
Candidates should have Senior Credit Officer (SCO) experience.
The position will interact heavily with Citigroup's Commodities organization, as well as Corporate Banking, Institutional Credit Managment, and other product/markets groups in pursuit of its portfolio management
and credit approval duties.
Key responsibilities:
+ Maintain and manage a portfolio of credit exposures (including IG and NIG counterparties) to Citi's North American Commodities clients in compliance with Citigroup's policies, procedures and best practices
+ Provide credit risk approval for new transactions and periodic credit reviews as a Senior Credit Officer (SCO). Transactions include structured and regular-way commodities trades.
+ Partner and collaborate closely with Citi relationship and product organizations
+ Maintain adherence to single name and portfolio concentration limits
+ Participate in scheduled and ad-hoc Commodities portfolio stress testing
+ Communicate clearly with Citi Markets and Relationship Management organizations, particularly with respect to constructive review and challenge of transactions not to be approved, modification to structure or additional due diligence/conditions to approval)
+ Ensure appropriate credit terms in transaction legal documentation
+ Advise and make concise approval recommendations to senior management
+ Interact directly with Internal Credit Review, Intenral Audit, and relevant regulatory authorities during their periodic and ad-hoc reviews
+ Mentor and guide junior team members
+ Co-manage troubled assets with Special Assets colleagues
+ Work with Risk colleagues on risk mitigation at both inception of transactions and on an ongoing basis
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Risk
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**Time Type:**
Full time
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**Primary Location:**
Houston Texas United States
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**Primary Location Full Time Salary Range:**
$170,000.00 - $300,000.00
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.
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**Most Relevant Skills**
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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**Anticipated Posting Close Date:**
Oct 22, 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.

Overview
Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members "do better." Joining PenFed is more than being an employee; it's about being a part of the PenFed family.
PenFed is hiring a (Hybrid) Senior Data Analyst, Credit Risk Management at our Irving, Texas; San Antonio, Texas or Tysons, Virgina location. The primary purpose of this position will be to develop and maintain custom data structures and support the Chief Credit Office organization with data management, transformation, and process improvements for providing high quality data. This position will also assist in data engineering and logistics for model implementation, analytical reporting, model execution in the production environment, data process documentation, data quality assurance, and other related ad hoc analytics within the Chief Credit Office.
Responsibilities
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.
+ Work with Credit Risk Management to develop a custom database to be used as the basis for reporting and analytics for Quantitative Risk Management, Consumer Retail Credit Risk, Mortgage Credit Policy, and Commercial & Counterparty Credit Risk.
+ Coordinate with internal enterprise data team and external vendors to ensure accuracy of data used in credit risk processes and reporting. Identify required data, and work with data stewards to understand data sources, ensure data quality, and retrieve data on a timely basis.
+ Maintain and improve process documentation and credit risk data dictionaries.
+ Provide data support as needed for modelling and regulatory reporting.
+ Resolve data quality problems.
+ Investigate and understand the nature of data quality issues and work with people across departments or vendors to correct data and address the root causes of the issues.
+ Identify opportunities to automate existing manual processes and provide recommendations on ways to enhance or improve existing reporting.
+ Partner with key stakeholders in various groups (Business Lines, Compliance, Operations, Finance / Credit Risk Modeling, and Enterprise Risk Management) to understand data flows and processes throughout the organization.
Qualifications
Equivalent combination of education and experience is considered.
+ Bachelor's degree in business, Economics, Quantitative Discipline or Equivalent, Finance is required. MBA or master's degree in the related field is highly preferred.
+ Minimum of three (3) years of experience in data analysis & reporting, credit risk policy & analysis, credit risk management, or modeling in financial services industry. Experience in Mortgage lending products is preferred.
+ Strong skills in various data analysis and visualization tools including SQL, SAS, Excel and PowerPoint are required.
+ Experience in SQL code writing and compiling data from various sources to produce reporting using SQL Server, MySQL, Oracle, Access or other database tools.
+ Proficiency in BI tools such as Tableau and PowerBI is highly recommended.
+ Proven project management skills and ability to manage multiple projects
+ Excellent written and verbal communication, and presentation skills required.
+ Self-motivated and strong interpersonal skills in order to actively lead and implement ideas in a cross-functional team environment.
+ Out of the box thinker with a track record of developing creative solutions and problem solving.
+ Prefer candidates with strong intellectual curiosity and diverse experience working in non-technical as well as highly technical roles.
+ Ideal employees will have good common sense to understand business problems and how to transform and utilize coding and technical data techniques to solve those problems.
Supervisory Responsibility
This position will not supervise employees.
Licenses and Certifications
There are no additional certifications required.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
Ability to travel to various worksites and be on-call may be required.
About Us
Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at .
#LI-Hybrid

Overview
Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members "do better." Joining PenFed is more than being an employee; it's about being a part of the PenFed family.
PenFed is hiring a (Hybrid) Senior Data Analyst, Credit Risk Management at our Irving, Texas; San Antonio, Texas or Tysons, Virgina location. The primary purpose of this position will be to develop and maintain custom data structures and support the Chief Credit Office organization with data management, transformation, and process improvements for providing high quality data. This position will also assist in data engineering and logistics for model implementation, analytical reporting, model execution in the production environment, data process documentation, data quality assurance, and other related ad hoc analytics within the Chief Credit Office.
Responsibilities
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.
+ Work with Credit Risk Management to develop a custom database to be used as the basis for reporting and analytics for Quantitative Risk Management, Consumer Retail Credit Risk, Mortgage Credit Policy, and Commercial & Counterparty Credit Risk.
+ Coordinate with internal enterprise data team and external vendors to ensure accuracy of data used in credit risk processes and reporting. Identify required data, and work with data stewards to understand data sources, ensure data quality, and retrieve data on a timely basis.
+ Maintain and improve process documentation and credit risk data dictionaries.
+ Provide data support as needed for modelling and regulatory reporting.
+ Resolve data quality problems.
+ Investigate and understand the nature of data quality issues and work with people across departments or vendors to correct data and address the root causes of the issues.
+ Identify opportunities to automate existing manual processes and provide recommendations on ways to enhance or improve existing reporting.
+ Partner with key stakeholders in various groups (Business Lines, Compliance, Operations, Finance / Credit Risk Modeling, and Enterprise Risk Management) to understand data flows and processes throughout the organization.
Qualifications
Equivalent combination of education and experience is considered.
+ Bachelor's degree in business, Economics, Quantitative Discipline or Equivalent, Finance is required. MBA or master's degree in the related field is highly preferred.
+ Minimum of three (3) years of experience in data analysis & reporting, credit risk policy & analysis, credit risk management, or modeling in financial services industry. Experience in Mortgage lending products is preferred.
+ Strong skills in various data analysis and visualization tools including SQL, SAS, Excel and PowerPoint are required.
+ Experience in SQL code writing and compiling data from various sources to produce reporting using SQL Server, MySQL, Oracle, Access or other database tools.
+ Proficiency in BI tools such as Tableau and PowerBI is highly recommended.
+ Proven project management skills and ability to manage multiple projects
+ Excellent written and verbal communication, and presentation skills required.
+ Self-motivated and strong interpersonal skills in order to actively lead and implement ideas in a cross-functional team environment.
+ Out of the box thinker with a track record of developing creative solutions and problem solving.
+ Prefer candidates with strong intellectual curiosity and diverse experience working in non-technical as well as highly technical roles.
+ Ideal employees will have good common sense to understand business problems and how to transform and utilize coding and technical data techniques to solve those problems.
Supervisory Responsibility
This position will not supervise employees.
Licenses and Certifications
There are no additional certifications required.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
Ability to travel to various worksites and be on-call may be required.
About Us
Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at .
#LI-Hybrid

Overview
Are you looking to take your career from good to great? As an employee of PenFed, every day is an opportunity to thrive, and be part of a team working to ensure our organization is providing world class service to our members, employees, and our communities. We exist to help our members realize their full potential, educate and encourage their dreams, and make every effort to follow our mission and help our members "do better." Joining PenFed is more than being an employee; it's about being a part of the PenFed family.
PenFed is hiring a (Hybrid) Senior Data Analyst, Credit Risk Management at our Irving, Texas; San Antonio, Texas or Tysons, Virgina location. The primary purpose of this position will be to develop and maintain custom data structures and support the Chief Credit Office organization with data management, transformation, and process improvements for providing high quality data. This position will also assist in data engineering and logistics for model implementation, analytical reporting, model execution in the production environment, data process documentation, data quality assurance, and other related ad hoc analytics within the Chief Credit Office.
Responsibilities
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This is not intended to be an all-inclusive list of job duties, and the position will perform other duties as assigned.
+ Work with Credit Risk Management to develop a custom database to be used as the basis for reporting and analytics for Quantitative Risk Management, Consumer Retail Credit Risk, Mortgage Credit Policy, and Commercial & Counterparty Credit Risk.
+ Coordinate with internal enterprise data team and external vendors to ensure accuracy of data used in credit risk processes and reporting. Identify required data, and work with data stewards to understand data sources, ensure data quality, and retrieve data on a timely basis.
+ Maintain and improve process documentation and credit risk data dictionaries.
+ Provide data support as needed for modelling and regulatory reporting.
+ Resolve data quality problems.
+ Investigate and understand the nature of data quality issues and work with people across departments or vendors to correct data and address the root causes of the issues.
+ Identify opportunities to automate existing manual processes and provide recommendations on ways to enhance or improve existing reporting.
+ Partner with key stakeholders in various groups (Business Lines, Compliance, Operations, Finance / Credit Risk Modeling, and Enterprise Risk Management) to understand data flows and processes throughout the organization.
Qualifications
Equivalent combination of education and experience is considered.
+ Bachelor's degree in business, Economics, Quantitative Discipline or Equivalent, Finance is required. MBA or master's degree in the related field is highly preferred.
+ Minimum of three (3) years of experience in data analysis & reporting, credit risk policy & analysis, credit risk management, or modeling in financial services industry. Experience in Mortgage lending products is preferred.
+ Strong skills in various data analysis and visualization tools including SQL, SAS, Excel and PowerPoint are required.
+ Experience in SQL code writing and compiling data from various sources to produce reporting using SQL Server, MySQL, Oracle, Access or other database tools.
+ Proficiency in BI tools such as Tableau and PowerBI is highly recommended.
+ Proven project management skills and ability to manage multiple projects
+ Excellent written and verbal communication, and presentation skills required.
+ Self-motivated and strong interpersonal skills in order to actively lead and implement ideas in a cross-functional team environment.
+ Out of the box thinker with a track record of developing creative solutions and problem solving.
+ Prefer candidates with strong intellectual curiosity and diverse experience working in non-technical as well as highly technical roles.
+ Ideal employees will have good common sense to understand business problems and how to transform and utilize coding and technical data techniques to solve those problems.
Supervisory Responsibility
This position will not supervise employees.
Licenses and Certifications
There are no additional certifications required.
Work Environment
While performing the duties of this job, the employee is regularly exposed to an indoor office setting with moderate noise.
*Most roles require working in an office setting with moderate noise and the ability to lift 25 pounds.*
Travel
Ability to travel to various worksites and be on-call may be required.
About Us
Established in 1935, PenFed today is one of the country's strongest and most stable financial institutions with over 2.9 million members and over $31 billion in assets. We serve members in all 50 states and the District of Columbia, as well as in Guam and Puerto Rico. We are federally insured by NCUA and we are an Equal Housing Lender. We are available to members worldwide, via the web, seven days a week, twenty-four hours a day. We provide our employees with a lucrative benefits package including robust medical, dental and vision plan options, plenty of paid time off, 401k with employer match, on-site fitness facilities at our larger locations, and more. Equal Employment OpportunityPenFed management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. PenFed will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. PenFed will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to PenFed. Contact human resources (HR) with any questions or requests for accommodation at .
#LI-Hybrid

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Public Finance Analyst within the Wholesale Credit Risk organization, you will be directly involved in direct lending transactions and portfolio management. Your responsibilities will include analyzing financial statements, keeping abreast of industry changes, preparing credit approval memos, participating in discussions with senior credit officers and bankers, and establishing credit facilities in line with the Bank's policies.

Job responsibilities

• Analyze financial statements, industry trends, and legal agreements to support credit transactions.
• Prepare credit approval memos and participate in discussions with bankers and senior credit officers.
• Set up credit facilities in coordination with the middle office and legal team.
• Track clients on an ongoing basis, prepare annual credit reviews, and update key stakeholders on developments affecting clients or the industry.
• Build strong relationships and maintain open communication channels with colleagues across the firm, including Bankers, Operations, Legal and Middle Office.
• Keep abreast of changing legislation, governmental actions, and economic trends impacting various US Government, Municipal, and Not-For-Profit sectors and clients.
• Participate in key projects across the department and contribute to process and efficiency improvement initiatives within the Credit organization.

Required qualifications, capabilities, and skills

• Knowledge of financial statements, accounting, and financial modeling.
• Strong communication skills-both oral and written.
• Ability to effectively present analysis and interact with key stakeholders.
• Deadline orientation; close attention to detail and accuracy; ability to perform under pressure.
• Ability to work proactively and independently as well as in a team environment.
• Strong interpersonal skills, with the ability to build relationships with key stakeholders across lines of business.
• Advanced Microsoft Office skills (Word, Excel, and PowerPoint)
• BA/BS degree is required.

Preferred qualifications, capabilities, and skills

• CFA or CPA certification is a plus.
• Familiarity with AI solutions and data analysis tools is a plus.
• Professional experience in financial services preferred (investment banking or similar).

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Base Pay/Salary
NY $90,000.00 - $120,000.00 / year

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
The Wholesale Credit Stress Loan Loss Forecasting Team (LLF) team is responsible for implementing key credit risk practices across Wholesale businesses and ensuring consistency in methodologies within Wholesale Credit Risk. The team works across the Commercial and Investment Bank and Asset Management divisions, and will be aligned with firm-wide partners including Reporting, Finance, Model Risk & Development, Technology, and the Regulatory Capital Management Office.
As an Associate on the LLF team, you will be part of a dynamic team and focus on many different aspects of loss forecasting of the firm's Wholesale loan portfolio. You will have the opportunity to analyze losses under Comprehensive Capital & Analysis Review (CCAR) model and the firm's internal Risk Appetite framework and present to senior management.
**Job Responsibilities**
+ Support the production of regular stress testing exercises (CCAR, quarterly Risk Appetite), monthly portfolio monitoring, as well as more ad-hoc regional, Country, or industry/ products based exercises
+ Perform portfolio level analysis, analyze the impacts from changes in macro-economic variables (MEVs), and different ad-hoc variance analysis
+ Perform analysis to support existing and new stress limits, including What-If analysis to assess impacts to different limits
+ Collaborate within the LLF team such as CECL, model aligned teams (C&I, CRE, HFS, and FVO) and cross functionally with partner teams like Credit Officers, Quantitative Research (QR), Products, Technology, Risk Controllers, Finance and Market Risk
+ Understand the models and be able to interpret and synthesize the results in order to assist in making recommendations which impact the industries/ lines of business
+ Facilitate coordination of scenario design for quarterly stress tests and CCAR and participate in updating Material Risk Inventory (MRI)
+ Collaborate with model developers, technology and businesses on improving the stress loss methodologies applied in stress frameworks
+ Participate in deep dives, risk reviews, and make stress testing framework an essential component of different limits and industry portfolio management
+ Navigate and/or build analytics dashboards in Tableau or proprietary systems to streamline the review process of model results and data inputs
+ Work individually or in team setting to advance the group's strategic data/analytical platforms
**Required Qualifications, Capabilities and Skills**
+ Bachelor's degree in finance, economics, mathematics or related quantitative discipline
+ 3+ years professional work experience in corporate credit risk or stress testing with demonstrated experience working in financial services
+ Excellent verbal/ written communication and problem-solving skills; have the ability to explain complex results to senior audience in simple terms
+ Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail
+ Ability to prioritize, plan, and manage processes to complete analysis and other assignments as needed
+ Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems
**Preferred Qualifications, Capabilities and Skills**
+ Knowledge of Python and/or Tableau
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.
As a Program Manager on the Commercial and Investment Wholesale Credit Risk Management Team, you will lead and manage strategic credit transformation initiatives. In this role, you will serve as a dynamic leader and utilize your proven track record in driving change, improving processes and delivering successful project outcomes.
**Job Responsibilities**
+ Lead transformation projects from initiation through completion, ensuring alignment with organizational objectives.
+ Establish program governance, communication strategy, and project timelines at project inception.
+ Develop and implement comprehensive project plans, including scope, schedule, budget, and resource allocation.
+ Collaborate with product, technology, and business teams to drive process improvements and innovation.
+ Monitor project milestones, trends, and velocity metrics to assess progress and performance.
+ Surface risks and issues proactively, implementing corrective actions to maintain project momentum.
+ Communicate project status, challenges, and successes clearly to senior management and stakeholders.
+ Produce senior executive-level presentations and training materials to support program delivery.
+ Foster a culture of change, creativity, and continuous improvement across teams.
+ Conduct lessons learned and post-mortem reviews to enhance future program outcomes.
+ Ensure compliance with organizational policies, procedures, and industry standards.
**Required Qualifications, Capabilities, and Skills**
+ Possess at least 5 years of financial services experience in project management with a focus on transformation.
+ Demonstrate a proven track record of successfully managing complex transformation projects.
+ Exhibit strong leadership and team management skills, collaborating effectively with cross-functional teams.
+ Display exceptional communication, negotiation, and interpersonal skills, including the ability to summarize issues and surface risks for stakeholders.
+ Apply strategic thinking and tactical execution to deliver program objectives.
+ Utilize advanced desktop publishing skills to produce executive-level presentations and training materials.
+ Implement program governance and communication strategies for large-scale initiatives.
+ Monitor and report on project performance using trends and velocity metrics.
+ Ensure strict adherence to organizational policies, procedures, and standards.
+ Apply Agile methodology and frameworks in project execution.
+ Hold a Master's degree in Business Administration, Project Management, or a related field.
+ Preferred qualifications, capabilities, and skills
**Preferred qualifications, capabilities, and skills**
+ Hold a Master's degree in Business Administration, Project Management, or a related field.
+ Preferred qualifications, capabilities, and skills
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

**Description**
Our purpose - Opening up a world of opportunity - explains why we exist. Here at HSBC we use our unique expertise, capabilities, breadth and perspectives to open up new kinds of opportunity for our more than 40 million customers. We're bringing together the people, ideas and capital that nurture progress and growth, helping to create a better world - for our customers, our people, our investors, our communities and the planet we all share.
The position is responsible for managing and analyzing the risks relating to a portfolio of Alternative Funds (primarily hedge funds but also private equity funds) and to support the Institutional Client Group (ICG) relationship management team in all credit-related matters. ICG seeks to secure sound, profitable and durable business for the Global Banking and Markets division from alternative and traditional fund managers. Together with other internal stakeholders within Relationship Management (RM), the business, and Wholesale Credit and Market Risk (WMR), the Vice President (VP) will participate fully in the collective management of credit risk and undertake ad hoc projects as requested.
The Vice President, ICG Credit Risk Management will be responsible for composing, reviewing and recommending credit reviews for fund vehicles which are more complex, highly levered, or less liquid. Such funds are difficult to analyze and require a high degree of analyst skill to evaluate the relevant risk factors. The position will also be responsible for ensuring appropriate documenting of all legal, compliance and credit risks per guidelines and approvals.
The VP will need a thorough understanding of markets and the alternative funds industry, and ensure that the credit policy, objectives and priorities of HSBC are fully met within the alternative funds space. This professional's primary focus will be on hedge funds, although a range of fund vehicles could be analyzed including private equity funds and other fund types.
The ability to build effective relationships across various departments - Prime, Client Management, Relationship Management and WMR - will be key to success in the role.
As our Vice President, Institutional Client Group Credit Risk Management you will:
**Overall Accountabilities**
+ Recommend credit limits in partnership with Relationship Managers based on the bank's risk appetite and client's credit risk profile
+ Understand Markets products and associated risks and mitigants
+ Conduct periodic interim reviews and maintain clear and updated documentation in all credit files including financial statements, financial spreading, credit applications, validation records, internal and external correspondence
+ Ensure appropriate documenting of all legal, compliance and credit risks per guidelines and approvals
+ Review and assess client's credit risk rating, or as driven by special events, based on internal and external ratings and analytical tools
+ Report significant business events, financial trends, industry developments and other relevant issues relating to financial position of clients
+ Uses initiative and independent judgment in analyzing information and making recommendations to WMR which are strongly and clearly supported in credit write-ups, and to defend verbal challenges from Credit Risk approvers
**Customers / Stakeholders**
+ ICG RM teams; Global Markets product areas and WMR
+ Provide a very visible point of contact for the Relationship Managers and client in terms of Funds renewals/new client credit requests. For the portfolio of alternative funds being managed, the analyst will own the processes related to credit limit renewal/new onboarding activity and be responsible for meeting the reasonable expectations of the business in regard to such activities
+ Contact with WMR to review credit issues pertaining to their portfolio
**Leadership & Teamwork**
+ Cultivate an environment that supports diversity and reflects the HSBC brand
+ Ensure activities and daily tasks are conducted in a way that ensure alignment to the longer term strategy
**Operational Effectiveness & Control**
+ Ensure the most effective process is being used to support the requirements of the business and to meet the required controls, identify issues and gaps and put in place activity to resolve these
+ Adhere strictly to compliance and operational risk controls in accordance with HSBC and regulatory standards, policies and practices; report control weaknesses, compliance breaches and operational loss events
**Management of Risk**
+ Apply compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues
+ Ensure compliance, operational risk controls in accordance with HSBC or regulatory standards and policies; and optimize relations with regulators by addressing any issues
+ Promote an environment that supports diversity and reflects the HSBC brand
+ Focus and oversight must be placed on any manual processes and exceptions to policy
**Observation of Internal Controls**
+ Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators
For this role, HSBC targets a pay range between $170,000.00 and $190,000.00
The final fixed pay offer will depend on the candidate and a number of variables, including but not limited to, role responsibilities, skill set, depth of experience and education, licensing/certification requirements, internal relativity, and specific work location.
At HSBC, our overall goal is to provide a competitive Total Reward Package, with an appropriate mix of fixed pay, and variable pay, as part of an employee's overall total compensation and benefits. Variable pay generally takes the form of discretionary, annual awards (sometimes referred to as a "bonus"). Additionally, HSBC offers a wide range of competitive and flexible benefits designed to help you improve your health and well-being, finances, and lifestyle.
**Qualifications**
You´ll likely have the following qualifications to succeed in this role:
+ Extensive experience in the credit analysis of hedge funds, private equity funds and other institutional investors. Solid foundation of Markets products, with a solid understanding of Prime products.
+ Thorough understanding of financial markets and negative factors which could impact the fund sector
+ Extensive experience in the negotiation of market standard documentation such as ISDAs (International Swaps and Derivates Association) and GMRAs (Global Master Repurchase Agreements)
+ Demonstrate high energy and have a 'driver and achiever' mentality
+ Excellent verbal and written communication skills
+ Outstanding analytical and organizational skills
+ A proven ability to create and maintain strong relationships with stakeholders is essential
+ Solid and proven relevant work experience within the banking / financial services industry
+ Demonstrates thorough knowledge and/or a proven record of success in a role within the professional services industry
+ Strong computer skills, including Microsoft Excel and Word; quick learner of data websites and applications
In compliance with applicable laws, HSBC is committed to employing only those who are authorized to work in the U.S. Applicants must be legally authorized to work in the U.S. as HSBC will not engage in immigration sponsorship for this position.
As an HSBC employee, you will have access to tailored professional development opportunities to ensure you have the right skills for today and tomorrow. We offer a competitive pay and benefits package including a robust Wellness Hub, all in a welcoming, diverse and inclusive work environment. You will be empowered to drive HSBC's engagement with the communities we serve through an industry-leading volunteerism policy, a generous matching gift program, and a comprehensive program of immersive Sustainability and Climate Change Initiatives. You'll want to join our Employee Resource Groups as they play a central part in life at HSBC, including the development of our employees and networking inside and outside of HSBC. We value difference. We succeed together. We take responsibility. We get it done. And we want you to help us build the bank of the future!
All qualified applicants will receive consideration for employment without regard to age, ancestry, color, race, national origin, ethnicity, disability or medical condition, genetic information, military or veteran service, religion, creed, sex, gender, pregnancy, childbirth, caregiver status, marital status, citizenship or immigration status, sexual orientation, gender identity or expression or any other trait protected by applicable law.
**Job Field:** Investment Banking, Markets and Research
**Primary Location:** North America-United States-New York-New York
**Req ID:** 000LOBZ

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Program Manager on the Commercial and Investment Wholesale Credit Risk Management Team, you will lead and manage strategic credit transformation initiatives. In this role, you will serve as a dynamic leader and utilize your proven track record in driving change, improving processes and delivering successful project outcomes.

Job Responsibilities

• Lead transformation projects from initiation through completion, ensuring alignment with organizational objectives.
• Establish program governance, communication strategy, and project timelines at project inception.
• Develop and implement comprehensive project plans, including scope, schedule, budget, and resource allocation.
• Collaborate with product, technology, and business teams to drive process improvements and innovation.
• Monitor project milestones, trends, and velocity metrics to assess progress and performance.
• Surface risks and issues proactively, implementing corrective actions to maintain project momentum.
• Communicate project status, challenges, and successes clearly to senior management and stakeholders.
• Produce senior executive-level presentations and training materials to support program delivery.
• Foster a culture of change, creativity, and continuous improvement across teams.
• Conduct lessons learned and post-mortem reviews to enhance future program outcomes.
• Ensure compliance with organizational policies, procedures, and industry standards.

Required Qualifications, Capabilities, and Skills

• Possess at least 5 years of financial services experience in project management with a focus on transformation.
• Demonstrate a proven track record of successfully managing complex transformation projects.
• Exhibit strong leadership and team management skills, collaborating effectively with cross-functional teams.
• Display exceptional communication, negotiation, and interpersonal skills, including the ability to summarize issues and surface risks for stakeholders.
• Apply strategic thinking and tactical execution to deliver program objectives.
• Utilize advanced desktop publishing skills to produce executive-level presentations and training materials.
• Implement program governance and communication strategies for large-scale initiatives.
• Monitor and report on project performance using trends and velocity metrics.
• Ensure strict adherence to organizational policies, procedures, and standards.
• Apply Agile methodology and frameworks in project execution.
• Hold a Master's degree in Business Administration, Project Management, or a related field.
• Preferred qualifications, capabilities, and skills

Preferred qualifications, capabilities, and skills

• Hold a Master's degree in Business Administration, Project Management, or a related field.
• Preferred qualifications, capabilities, and skills

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans