54 Credit Risk jobs in Chicago

Provides independent, objective review and adjudication of credit applications and transactions for an assigned portfolio within credit limits or makes credit recommendations and escalates as required. Ensures the credit quality of the assigned portfolios are maintained within the Bank's risk tolerance, policies & procedures, and meet financing guidelines. Supports credit adjudication operations and initiatives. Provides training and support to teams and channels where the applications and transactions originate.
+ Works with stakeholders to ensure effectiveness of risk management controls, analysis and monitoring on a transactional and portfolio basis.
+ Provides credit coaching, training and support to direct team and other stakeholders as required.
+ Provides strategic input into business decisions as a trusted advisor.
+ Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
+ Acts as a subject matter expert on relevant regulations and policies.
+ May network with industry contacts to gain competitive insights and best practices.
+ Influences and negotiates to achieve business objectives.
+ Identifies emerging issues and trends to inform decision-making.
+ Recommends business priorities, advises on resource requirements and develops roadmap for strategic execution.
+ Manages resources and leads the execution of strategic initiatives to deliver on business and financial goals.
+ Conducts independent analysis and assessment to resolve strategic issues.
+ Acts as the prime subject matter expert for internal/external stakeholders.
+ Ensures alignment between stakeholders.
+ Develops and manages comprehensive information management systems; designs and/or leads initiatives to improve processes, analysis and reporting.
+ Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting.
+ Defines business requirements for analytics & reporting to ensure data insights inform business decision making.
+ Employs systems (e.g. customized exception reports, tracking reports etc.) to manage information.
+ Breaks down strategic problems, and analyses data and information to provide insights and recommendations.
+ Leads change management programs of varying scope and type, including readiness assessments, planning, stakeholder management, execution, evaluation and sustainment of initiatives.
+ Leads the development of the communication strategy focusing on positively influencing or changing behaviour.
+ Collaborates across BMO to develop communications strategies and ensure consistency of messaging, in order to positively influence or change behaviour.
+ Leads the execution of operational programs; assesses and adapts as needed to ensure quality of execution.
+ Supports credit due diligence activities for bank acquisitions or integration.
+ Reviews and communicates decisions on credit transactions with rationale that can be understood and explained to customers.
+ Identifies and advises on terms, conditions and collateral requirements for the transaction decision as well as opportunities for cross-selling and/or alternative solutions to meet client's needs.
+ Keeps abreast of economic and market developments within the portfolio to inform decision making and credit risk policies.
+ Provides approval for exceptions according to established policy and standards.
+ Monitors the credit portfolio through transaction review & approval to ensure compliance with the Bank's lending policies and procedures.
+ Provides credit risk coaching and advice to sales & service employees to increase awareness of risk, policy, and knowledge of structuring transactions.
+ Supports the execution of strategic initiatives in collaboration with internal and external stakeholders.
+ Builds effective relationships with internal/external stakeholders.
+ Gathers and formats data into regular and ad-hoc reports, and dashboards.
+ Monitors and tracks performance and addresses any issues.
+ Executes work to deliver timely, accurate, and efficient service.
+ Operates at a group/enterprise-wide level and serves as a specialist resource to senior leaders and stakeholders.
+ Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
+ Implements changes in response to shifting trends.
+ Broader work or accountabilities may be assigned as needed. **Qualifications:**
+ Typically 7+ years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.
+ Credit Qualifications and associated credit knowledge and skills according to the established qualification standards.
+ In-depth / expert knowledge of banking products & services.
+ In-depth / expert knowledge of industry trends and regulations.
+ In-depth / expert knowledge of credit portfolio management policies & procedures, and financing guidelines.
+ Proven leadership skills and highly developed coaching skills.
+ Seasoned professional with a combination of education, experience and industry knowledge.
+ Verbal & written communication skills - In-depth / Expert.
+ Analytical and problem solving skills - In-depth / Expert.
+ Influence skills - In-depth / Expert.
+ Collaboration & team skills; with a focus on cross-group collaboration - In-depth / Expert.
+ Able to manage ambiguity.
+ Data driven decision making - In-depth / Expert.
**Salary:**
$91,800.00 - $171,000.00
**Pay Type:**
Salaried
The above represents BMO Financial Group's pay range and type.
Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group's expected target for the first year in this position.
BMO Financial Group's total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: Us**
At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.
As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one - for yourself and our customers. We'll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we'll help you gain valuable experience, and broaden your skillset.
To find out more visit us at is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.
BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to and let us know the nature of your request and your contact information.
Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.

**Specialty/Competency:** Financial Risk
**Industry/Sector:** Banking and Capital Markets
**Time Type:** Full time
**Travel Requirements:** Up to 60%
At PwC, our people in risk and compliance focus on maintaining regulatory compliance and managing risks for clients, providing advice, and solutions. They help organisations navigate complex regulatory landscapes and enhance their internal controls to mitigate risks effectively.
In treasury risk management at PwC, you will focus on assessing and mitigating financial risks for clients, assisting in effective cash management and liquidity, and optimising capital allocation strategies. You will provide advice in risk analysis, hedging strategies, and regulatory compliance to help clients navigate the complexities of treasury operations.
Growing as a strategic advisor, you leverage your influence, expertise, and network to deliver quality results. You motivate and coach others, coming together to solve complex problems. As you increase in autonomy, you apply sound judgment, recognising when to take action and when to escalate. You are expected to solve through complexity, ask thoughtful questions, and clearly communicate how things fit together. Your ability to develop and sustain high performing, diverse, and inclusive teams, and your commitment to excellence, contributes to the success of our Firm.
Examples of the skills, knowledge, and experiences you need to lead and deliver value at this level include but are not limited to:
+ Craft and convey clear, impactful and engaging messages that tell a holistic story.
+ Apply systems thinking to identify underlying problems and/or opportunities.
+ Validate outcomes with clients, share alternative perspectives, and act on client feedback.
+ Direct the team through complexity, demonstrating composure through ambiguous, challenging and uncertain situations.
+ Deepen and evolve your expertise with a focus on staying relevant.
+ Initiate open and honest coaching conversations at all levels.
+ Make difficult decisions and take action to resolve issues hindering team effectiveness.
+ Model and reinforce professional and technical standards (e.g. refer to specific PwC tax and audit guidance), the Firm's code of conduct, and independence requirements.
As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including organization and governance; credit process optimization; risk rating model design, build and implementation; credit regulatory assessments; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges.
**Job Requirements and Preferences** :
**Basic Qualifications** :
**Minimum Degree Required** :
Bachelor Degree
**Minimum Years of Experience** :
8 year(s)
**Preferred Qualifications** :
**Degree Preferred** :
Master Degree
**Preferred Fields of Study** :
Business Administration/Management, Statistics, Mathematics, Finance, Economics, Accounting
**Preferred Knowledge/Skills** :
Demonstrates extensive-level abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas:
+ Leading and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g., target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
+ Managing credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience;
+ Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.;
+ Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;
+ Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9;
+ Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies;
+ Demonstrating familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and,
+ Possessing completion of a formal credit training program;
Demonstrates extensive-level abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:
+ Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.;
+ Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations);
+ Supervising teams to create a strong atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback;
+ Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management);
+ Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team;
+ Demonstrating experience in working with and managing on-shore and off-shore teams;
+ Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and,
+ Keeping leadership informed of progress and issues.
Learn more about how we work: does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. 
For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all.
The salary range for this position is: $124,000 - $280,000, plus individuals may be eligible for an annual discretionary bonus. For roles that are based in Maryland, this is the listed salary range for this position. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link:

**Specialty/Competency:** Financial Risk
**Industry/Sector:** Banking and Capital Markets
**Time Type:** Full time
**Travel Requirements:** Up to 60%
A career in our Balance Sheet Management practice, within Financial Risk and Regulatory services, will provide you with the opportunity to help business leaders embed a proactive and dynamic risk management capability and mind set into their corporate business practices. From strategy through to implementation, we help put in place people, processes and technology so they can leverage financial risk management to identify new opportunities and pursue success as smoothly, systematically and sustainably as possible in the face of changing markets, technologies and competition.
Our team provides our clients with gap assessments as well as design and implement processes to facilitate asset and liability management, funding and liquidity planning and stress testing, and capital management. You'll help build tools that enable our clients to efficiently utilise capital and liquidity resources, consistent with regulatory expectations.
To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.
As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to:
+ Use feedback and reflection to develop self awareness, personal strengths and address development areas.
+ Delegate to others to provide stretch opportunities, coaching them to deliver results.
+ Demonstrate critical thinking and the ability to bring order to unstructured problems.
+ Use a broad range of tools and techniques to extract insights from current industry or sector trends.
+ Review your work and that of others for quality, accuracy and relevance.
+ Know how and when to use tools available for a given situation and can explain the reasons for this choice.
+ Seek and embrace opportunities which give exposure to different situations, environments and perspectives.
+ Use straightforward communication, in a structured way, when influencing and connecting with others.
+ Able to read situations and modify behavior to build quality relationships.
+ Uphold the firm's code of ethics and business conduct.
As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including, organization and governance; credit process optimization; risk rating model design, build and implementation; and Current Expected Credit Losses (CECL) process and tools. You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges focused on credit risk.
**Job Requirements and Preferences** :
**Basic Qualifications** :
**Minimum Degree Required** :
Bachelor Degree
**Minimum Years of Experience** :
3 year(s)
**Preferred Qualifications** :
**Degree Preferred** :
Master Degree
**Preferred Fields of Study** :
Business Administration/Management, Mathematics, Statistics, Finance, Accounting, Economics
**Preferred Knowledge/Skills** :
Demonstrates a thorough level of abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas:
+ Collaborating and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g., target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
+ Familiarity with conducting credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience;
+ Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.;
+ Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;
+ Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9;
+ Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies.
+ Possessing familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and,
+ Possessing completion of a formal credit training program.
Demonstrates a thorough level of abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:
+ Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.;
+ Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations);
+ Collaborating with teams to create a proven atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback;
+ Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management);
+ Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team;
+ Demonstrating experience in working with and managing on-shore and off-shore teams;
+ Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and,
+ Keeping leadership informed of progress and issues.
Learn more about how we work: does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy: PwC is an equal opportunity employer, all qualified applicants will receive consideration for employment at PwC without regard to race; color; religion; national origin; sex (including pregnancy, sexual orientation, and gender identity); age; disability; genetic information (including family medical history); veteran, marital, or citizenship status; or, any other status protected by law. 
For only those qualified applicants that are impacted by the Los Angeles County Fair Chance Ordinance for Employers, the Los Angeles' Fair Chance Initiative for Hiring Ordinance, the San Francisco Fair Chance Ordinance, San Diego County Fair Chance Ordinance, and the California Fair Chance Act, where applicable, arrest or conviction records will be considered for Employment in accordance with these laws. At PwC, we recognize that conviction records may have a direct, adverse, and negative relationship to responsibilities such as accessing sensitive company or customer information, handling proprietary assets, or collaborating closely with team members. We evaluate these factors thoughtfully to establish a secure and trusted workplace for all.
The salary range for this position is: $77,000 - $202,000, plus individuals may be eligible for an annual discretionary bonus. For roles that are based in Maryland, this is the listed salary range for this position. Actual compensation within the range will be dependent upon the individual's skills, experience, qualifications and location, and applicable employment laws. PwC offers a wide range of benefits, including medical, dental, vision, 401k, holiday pay, vacation, personal and family sick leave, and more. To view our benefits at a glance, please visit the following link:

Description
The Credit Risk Sr Professional will be a critical member of the Home Equity Credit Risk Team, generating the statistical analysis used to inform credit strategy. Will work with our data resources to formulate policy recommendations, communicate those recommendations to important stakeholders, and collaborate with diverse teams to see those recommendations implemented successfully. Will be expected to wear multiple hats, solving problems across the full credit lifecycle and will have the opportunity to take ownership of solutions and see them through to completion in a fast-paced, challenging environment.
Primary responsibilities include:
+ Utilize analytical and technical skills to uncover insights, develop policy recommendations, and solve critical business problems.
+ Work with proprietary Citizens data in conjunction with bureau data, property data and alternative data sources to shape credit risk strategy.
+ Analyze portfolio trends and investigate emerging risks to drive optimization of credit policy in a constantly evolving landscape.
+ Design statistical and mathematical models for reporting and predictive analytics.
+ Develop, automate and deliver regular reports and communications to senior management.
+ Communicate recommendations and insights to key stakeholders to influence decision making.
+ Collaborate with diverse teams to see strategy proposals implemented successfully.
Qualifications:
+ 3+ years of Credit Risk experience - preferably real estate lending (mortgage and/or home equity).
+ 3+ years of relevant experience in a quantitative role utilizing statistical programing languages.
+ 3+ years Quantitative Skills - ability to develop and implement effective portfolio management routines that monitor key metrics, benchmark performance vs. peers, and identify emerging trends.
+ Expertise with one or more of the following technologies required: SQL, Python, R, Tableau.
+ Ability to drive actionable outcomes from analytical insight and effectively communicate findings and recommendations to business leadership.
+ Exceptional problem-solving acumen with ability to think strategically.
+ Time Management - ability to prioritize competing assignments and thrive in a fast-paced results orientated environment.
Education:
+ Bachelor's degree in quantitative discipline required (Finance, Mathematics, Computer Science, Statistics, Engineering, etc.).
+ Masters/PhD in a quantitative discipline preferred.
Hours & Work Schedule
+ Hours per Week: 40
+ Work Schedule: 8:30am - 5:00pm, Monday - Friday
Role is hybrid, 3 days days/week in office, other days work from home
Pay Transparency
The salary range for this position is $ 143,705 - $180,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience.
We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit .
Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.
Equal Employment Opportunity
Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.
Why Work for Us
At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth
Background Check
Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.
09/26/2025

**Who We Are**
We're powering a cleaner, brighter future.
Exelon is leading the energy transformation, and we're calling all problem solvers, innovators, community builders and change makers. Work with us to deliver solutions that make our diverse cities and communities stronger, healthier and more resilient.
We're powered by purpose-driven people like you who believe in being inclusive and creative, and value safety, innovation, integrity and community service. We are a Fortune 200 company, 19,000 colleagues strong serving more than 10 million customers at six energy companies -- Atlantic City Electric (ACE), Baltimore Gas and Electric (BGE), Commonwealth Edison (ComEd), Delmarva Power & Light (DPL), PECO Energy Company (PECO), and Potomac Electric Power Company (Pepco).
In our relentless pursuit of excellence, we elevate diverse voices, fresh perspectives and bold thinking. And since we know transforming the future of energy is hard work, we provide competitive compensation, incentives, excellent benefits and the opportunity to build a rewarding career.
Are you in?
**Primary Purpose**
**PRIMARY PURPOSE OF POSITION**
The Associate Analyst, Credit Risk is responsible for assessing and analyzing credit risk associated with the wholesale power and gas activities, including trading and origination, as well as assessing/analyzing retail power and gas credit issues for the retail supply business. In addition this job may be responsible for a credit portfolio within the designated regions. As a member of the credit organization, this position requires an understanding of the physical and financial products offered by the Company and the marketplace in order to properly assess and monitor counterparty credit/risk issues. This position also requires interaction with business and functional partners.
**Primary Duties**
**PRIMARY DUTIES AND ACCOUNTABILITIES**
+ Assess and analyze the credit worthiness of customers and trading counterparties, and monitor current and potential exposures. Also provide analytical support to senior credit team members managing relationships with assigned counterparties, Regional Transmission Organizations, and Gas Pipelines. (40%)
+ Recommend credit terms and conditions within customer and wholesale commodity contracts. (10%)
+ Coordinate with the margining and treasury teams on counterpart collateral including cash, letters of credit and parental guarantees. Also coordinates effectively with Receivables team to monitor aged receivables to ensure timely collection. (15%)
+ Assist on presentations to Senior Management that include credit decisions and recommendations, while highlighting top credit risks within the organization. (20%)
+ Assist in the coordination, maintenance, and implementation of improved reporting and functionality of Credit Risk systems. (15%)
**Job Scope**
**JOB SCOPE**
+ The Associate Analyst, Credit Risk has some credit authority to approve credit requests in their assigned region. The Associate Analyst, Credit Risk will:
+ Support Credit leadership in managing counterparty/customer limits and exposure monitoring to maintain compliance with credit policy and specific counterparty credit terms (including margining requirements)
+ Support senior credit personnel as they negotiate credit terms and conditions, participate in conference calls to assess counterparty credit worthiness, perform customer visits
+ Provide Credit Workout with early warning of potential high risk counterparties / customers, and assist in risk mitigation activities
+ Maintain Risk data system and reporting integrity
+ Ensure accuracy of external and internal reporting and disclosures
+ Rigorously follow the credit process in all transactions
**Minimum Qualifications**
**MINIMUM QUALIFICATIONS**
+ BS in Accounting, Economics, Finance, Mathematics, or a related degree
+ 0-2 years of relevant experience
+ General understanding of financial and energy trading markets
+ Excellent organizational, verbal and written communication skills with ability to handle multiple duties
+ Strong interpersonal skills with the ability to interact with commercial and functional partners, external counterparties, vendors, and senior level executives within Risk and Finance
+ Must be self motivated and possess excellent time management skills
+ Strong computer and spreadsheet modeling skills
+ Ability to handle multiple tasks in a fast paced energy commodity trading environment.
**Preferred Qualifications**
**PREFERRED QUALIFICATIONS**
**Benefits**
**Benefits**
+ Annual salary will vary based on a candidate's skills, qualifications, experience, and other factors: $59,200.00/Yr. - $81,400.00/Yr.
+ Annual Bonus for eligible positions: 7%
+ 401(k) match and annual company contribution
+ Medical, dental and vision insurance
+ Life and disability insurance
+ Generous paid time off options, including vacation, sick time, floating and fixed holidays, maternity leave and bonding/primary caregiver leave or parental leave
+ Employee Assistance Program and resources for mental and emotional support
+ Wellbeing programs such as tuition reimbursement, adoption and surrogacy assistance and fitness reimbursement
+ Referral bonus program
+ And much more
Note: Exelon-sponsored compensation and benefit programs may vary or not apply based on length of service, job grade, job classification or represented status. Eligibility will be determined by the written plan or program documents.
Exelon is proud to be an equal opportunity employer and employees or applicants will receive consideration for employment without regard to: age, color, disability, gender, national origin, race, religion, sexual orientation, gender identity, protected veteran status, or any other classification protected by federal, state, or local law. If you are an individual with a disability and need an accommodation to complete the application, please email us at

In Strategy & Consulting we work with C-suite executives, leaders and boards of the world's leading organizations, helping them reinvent every part of their enterprise to drive greater growth, enhance competitiveness, implement operational improvements, reduce cost, deliver sustainable 360° stakeholder value, and set a new performance frontier for themselves and the industry in which they operate. Our deep industry and functional expertise is supported by proprietary assets and solutions that help organizations transform faster and become more resilient. Underpinned by technology, data, analytics, AI, change management, talent and sustainability capabilities, our Strategy & Consulting services help architect and accelerate all aspects of an organization's total enterprise reinvention.
We are:
Finance Risk & Compliance, and we give finance execs the sounding board they need. Value isn't just about maintenance. It's about zeroing in on smart, sustainable ways to grow, and finding the right tools to keep everything on track. We've got the deep industry experience, the functional insights, the data power, and the digital tech leadership to help our clients make important changes. Whether we're breaking down meaningful analytics, designing the perfect finance platforms, or building from current risk and compliance models to get ready for the future, we solve our clients' toughest problems. Visit us here to find out more about Finance Risk & Compliance. ( are:
An expert decision-maker and a clear communicator. You're always looking for better and more efficient ways to manage risk. When you say its time to bring in new solutions or change the way things are done, clients listen. They know you'll walk them through the process - in person and on paper. Everyone's happy, because they have the right tools to stay compliant and new ways to create value.
The work:
+ Assess risk and develop mitigation strategies for top-tier financial services organizations
+ Support and share knowledge with project teams and use analytics to find new ways of working that put people and process first
+ Manage project teams, deliverables and budgets across workflows
+ Attract new business by creating thoughtful proposals and building strong client relationships
+ Show clients where and how to benefit from a more flexible workforce
+ Use design-led thinking to improve customer experience
+ Help grow the practice by championing Accenture initiatives and products
+ Stay on top of how new regulations and technologies affect our clients' businesses - and ours
Travel:
Travel requirements will be based on the needs of our client
Here's what you need:
+ 5 plus years of experience with one of the following:
+ Lead Credit Transformation Initiatives: Spearhead the redesign of lending processes, including streamlining credit approvals, integrating AI into decisioning, aligning front-line execution with client segmentation, and designing target operating models for the credit lifecycle.
+ Enhance Risk Management Practices: Oversee improvements in risk governance, including restructuring credit functions, optimizing loan review protocols, and strengthening loss mitigation and recovery strategies.
+ Execute Core Credit Risk Functions: Perform and supervise credit underwriting, risk rating (single and dual), and credit analysis across various asset classes. Ensure sound risk identification and measurement aligned with regulatory expectations.
+ Develop Advanced Risk Methodologies: Design and validate credit risk models-PD, LGD, EAD-and pricing frameworks for commercial and retail portfolios. Ensure models support accurate capital allocation and risk-based pricing.
+ Build Risk Analytics & Reporting: Create comprehensive credit risk dashboards and reporting tools that provide actionable insights to risk leaders and business executives.
+ Navigate Regulatory Requirements: Apply deep knowledge of CECL and IFRS 9 to support allowance methodologies and ensure compliance with GAAP and global accounting standards.
+ Leverage Technology & Tools: Select and implement credit workflow and risk platforms (e.g., Moody's, S&P, nCino). Ensure systems enhance decision-making and operational efficiency.
+ Drive Client Engagement: Present recommendations and project outcomes to senior stakeholders. Deliver high-quality documentation, presentations, and communications to ensure alignment and transparency.
+ Mentor & Lead Teams: Guide cross-functional teams, manage onshore/offshore delivery models, and foster a collaborative, inclusive, and high-performance culture.
+ Credit risk management
+ Policy and governance
+ Portfolio management and analytics (risk ratings, loss forecasting, early warning, management reporting), reporting and regulatory compliance (including CECL/IFRS9 etc.),
+ Credit risk data management, technology and platforms
+ Counterparty Credit / Market risk management including IR, FX, Equity etc.
+ Policy and governance
+ Economic Value of Equity, Net Interest Income and IRRBB
+ Portfolio management and analytics (e.g., VaR, ESs, XVAs etc.), regulatory compliance and reporting including FRTB, FFIEC etc.
+ Market risk data management, technology and platforms
+ 3 plus years of experience in risk and regulatory management consulting from a competitive firm in a similar oversight role
+ Experience with a minimum of 1 of the following:
+ Demonstrated abilities to manage projects and/or client consultations in the Treasury domain
+ In- depth understanding of balance sheet management and/or financial risk management and relevant SR letter knowledge
+ Experience developing and advising points of view on balance sheet and financial risk management
+ Experience leading large engagement teams and people development
+ Bachelor's degree
Bonus Points If:
+ Bachelor's degree with exposure to Analytics, Applied Mathematics, Banking and Finance, Engineering and Business, Finance & Investment Analysis, International Business, Mathematical Economics, Mathematical Statistics, Quantitative Finance, Risk Management
Compensation at Accenture varies depending on a wide array of factors, which may include but are not limited to the specific office location, role, skill set, and level of experience. As required by local law, Accenture provides a reasonable range of compensation for roles that may be hired in California, Colorado, District of Columbia, Illinois, Maryland, Minnesota, New Jersey, New York or Washington as set forth below. We accept applications on an on-going basis and there is no fixed deadline to apply.
Information on benefits is here. ( Location Annual Salary Range
California $94,400 to $93,800
Colorado 94,400 to 253,800
District of Columbia 100,500 to 270,300
Illinois 87,400 to 253,800
Minnesota 94,400 to 253,800
Maryland 87,400 to 235,000
New York/New Jersey 87,400 to 293,800
Washington 100,500 to 270,300
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Sr. Manager - Risk Assessment Programs
Job ID

Posted
04-Aug-2025
Service line
GWS Segment
Role type
Full-time
Areas of Interest
Health and Safety/Environment
Location(s)
Atlanta - Georgia - United States of America, Boulder - Colorado - United States of America, Chicago - Illinois - United States of America, Los Angeles - California - United States of America, New York City - New York - United States of America, Sunnyvale - California - United States of America
**About the Role:**
As a CBRE the Sr. Manager - Risk Assessment Programs, you will be responsible for supporting the client's EHS (Environmental, Health & Safety) Governance, Risk, and Compliance lead with the development, standardization, and implementation of the company's global EHS risk management programs and processes. This position requires someone with experience in managing programs on a global scale, driving strategic improvements, and organizational change management.
This role is very cross-functional - solving complex risk management challenges; working with program development, operational integration, risk partners across the enterprise, and many other functions. You will touch on all aspects of risk management from our identification layer (recognizing risk) through to how we communicate within the EHS organization and to our stakeholders across the enterprise to enable risk mitigation and operational excellence through process improvement.
**What You'll Do:**
+ Assist in developing and implementing a fully integrated system for risk assessment, risk treatment, and controls management at both global and regional levels
+ Assist with evaluating and standardizing risk management systems across client's EHS organization in alignment with other key risk partners across the enterprise
+ Develop and conduct training on risk management programs and practices, covering standardized and specialized risk assessment methodologies
+ Establish data management processes for risk treatment planning, including Corrective and Preventive Action (CAPA) plans, in alignment with incident management processes
+ Identify opportunities for developing or improving tools that support risk management across the organization (e.g., risk matrices, root cause analysis processes, risk escalation processes)
+ Lead projects covering cross-functional risk assessment processes within EHS and stakeholder teams
+ Support development of project management resources for public health and other emergencies, as needed.
**What You'll Need:**
5+ years of project management / program management experience and ability to use common project management tools and processes.
Experience leading long-term or complex programs with global stakeholders.
Comfortable developing project scope and integrating changes to timeline and scale.
Ability to work flexibly with changes in priorities for long term projects and program implementation.
3+ years Enterprise Risk Management experience
Experience with developing and integrating enterprise wide programs and policies while ensuring continuity of operational processes.
Experience developing and implementing risk management standards, policies, and procedures.
Ability to communicate risk policies and processes across a global organization.
Adjustments for scale: able to lead differing priorities based on global scales and need within region-specific risk areas.
Familiarity with ISO 45001, ISO 14001 standards and ISO 9001 fundamentals.
**Why CBRE?**
At CBRE, we admire creativity, innovation, and partnership, and we offer endless opportunities for growth. We are a direct hire company that provides everything from competitive pay, Health, Dental, Vision, Pet Insurance, and 401k Match programs.
**Disclaimer**
Applicants must be currently authorized to work in the United States without the need for visa sponsorship now or in the future.
**CBRE carefully considers multiple factors to determine compensation, including a candidate's education, training, and experience. The minimum salary for the Sr. Manager - Risk Assessment Programs position is $130,000 annually and the maximum salary for the Sr. Manager - Risk Assessment Programs position is $150,000 annually. The compensation offered to a successful candidate will depend on their skills, qualifications, and experience. Successful candidates will also be eligible for a discretionary bonus based on CBRE's applicable benefit program. This role will provide the following benefits: 401(K), Dental insurance, Health insurance, Life insurance, and Vision insurance. The application window is anticipated to close on "August 10, 2025" and may be extended as needed. Or to express interest in similar roles, visit CBRE.com/careers.**
**Equal Employment Opportunity:** CBRE has a long-standing commitment to providing equal employment opportunity to all qualified applicants regardless of race, color, religion, national origin, sex, sexual orientation, gender identity, pregnancy, age, citizenship, marital status, disability, veteran status, political belief, or any other basis protected by applicable law.
**Candidate Accommodations:** CBRE values the differences of all current and prospective employees and recognizes how every employee contributes to our company's success. CBRE provides reasonable accommodations in job application procedures for individuals with disabilities. If you require assistance due to a disability in the application or recruitment process, please submit a request via email at or via telephone at (U.S.) and (Canada).
CBRE GWS
CBRE Global Workplace Solutions (GWS) works with clients to make real estate a meaningful contributor to organizational productivity and performance. Our account management model is at the heart of our client-centric approach to delivering integrated real estate solutions. Each client is entrusted with a dedicated leader and is supported by regional and global resources, leveraging the industry's most robust platform. CBRE GWS delivers consistent, measurably superior outcomes for our clients at every stage of the lifecycle, and across industries and geographies.
Find out more ( Inc. is an Equal Opportunity and Affirmative Action Employer (Women/Minorities/Persons with Disabilities/US Veterans)