3,310 Senior Risk Analyst jobs in the United States
Sr Market Risk Analyst
77007 Houston, Texas
Shell
Posted 2 days ago
Job Viewed
Job Description
Texas, United States of America
**Job Family Group:**
Finance
**Worker Type:**
Regular
**Posting Start Date:**
August 20, 2025
**Business unit:**
Finance
**Experience Level:**
Experienced Professionals
**Job Description:**
**What's the role?**
As a Senior Market Risk Analyst, you will be responsible of the following duties:
+ Act as Senior Market Risk focal point for front-office and senior stakeholders
+ Understand supply and demand fundamentals, including regional/locational price differences, fundamental drivers of changes in these spreads, historical market direction and trends/underlying fundamental causes
+ Design and analyze independent stress-test evaluations/scenario analysis of the portfolio that align with current risk-appetite and asses if limits are "right-sized" for growth
+ Evaluate new business opportunities by providing independent deal assessment including strategic/portfolio fit, limits impact evaluation, analysis of portfolio performance in various scenarios, identification of risks associated with the new deal, and back-testing strategies in collaboration with other Market Risk groups and the Deal Valuation team. Where applicable, provide peer review and challenge to deal proposals for other T&S businesses
+ Analyze performance or hedge effectiveness/back-tests of trading strategies, identify multiple factors driving position and profit and loss changes and provide insight to stakeholders and consumers of risk data for context
+ Develop and refine the fair economic valuation approach and provide steer on usage of market risk reserves
+ Regularly and independently evaluate known key deal inputs and identify/document shortcomings with internal evaluations
+ Provide daily, insightful, commentary of key portfolio activity including market intelligence, exposure changes and new deal activity
+ Ensure adherence to mandated exposure and risk limits and provide guidance on actions to be taken to reduce risk if necessary
+ Develop strong relationships with Shell Energy Americas commercial counterparts and possess deep end-to-end understanding of trading strategies, associated exposures and future growth aspirations for the trade desk supported
+ Collaborate with other support functions (e.g. Finance, Technical Accounting) for deal support and general portfolio queries
+ Support internal/external audit requirements
**What we need from you**
+ Must have legal authorization to work in the US on a full-time basis
+ Bachelor's Degree; preferred focus in Mathematics, Economics, Engineering, Science, or other relevant field
+ 5 or more years' working experience in a trading environment related to power and/or natural gas
+ 5 or more years of commodities market risk experience, preferred power and gas, including but not limited to: understanding of VaR methodology, valuation of non-vanilla option with physical constraints, design and implement stress testing scenarios, set different types of limits to monitor/control risk taking activities, design reserve methodology, etc.
+ Hands-on experience on long-term energy transactions, tolling agreements, renewable power purchase agreements, capacity agreements, contractual flexibilities, and non-linear products
+ Strong data analysis skills: hands-on experience using statistical analysis tools, programming languages and business intelligence tools
+ Strong interpersonal and communication skills (both written and verbal), including an ability to concisely explain complex concepts to non-specialist stakeholders in terms of intent and application
+ Learner mindset: innovative and creative, excellent critical thinking and problem-solving capabilities
+ Candidate must be able to work in Houston, TX, relocation is available for the chosen candidate if needed
**What we offer**
The base salary range for this position is $122,000 - $182,000 per year. Individual pay will be based on various factors such as relevant work experience, education, certifications, skill level, seniority, and internal equity.
For regular full-time or regular part-time employees of the Company (participating companies as listed in the Summary Plan Description), insurance coverage options include medical, dental, vision coverage, life Insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs. Employees also participate in a company pension plan and a 401(k) plan. Paid leave includes up to 6 weeks of paid vacation time, up to 11 paid holidays, and parental leave offering 16 weeks of paid leave for birthing parents, and 8 weeks of paid leave for non-birthing parents.
Additionally, employees are eligible for short-term disability leave for up to 26 weeks at 100% or 50% of base pay as well as Long-Term Disability insurance. Shell also offers other compensation such financial reimbursement for adoption, wellness, education, and personal learning expenses, and some roles are eligible for discretionary long-term incentives. For interns, eligible benefits include medical, dental, and vision coverage, life insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs; participation in a 401(k) plan; and paid leave for up to 11 paid holidays. Additional information on Shell's US benefit programs can be found at bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You'll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You'll be able to balance your priorities as you become the best version of yourself.
+ Progress as a person as we work on the energy transition together.
+ Continuously grow the transferable skills you need to get ahead.
+ Work at the forefront of technology, trends, and practices.
+ Collaborate with experienced colleagues with unique expertise.
+ Achieve your balance in a values-led culture that encourages you to be the best version of yourself.
+ Benefit from flexible working hours, and the possibility of remote/mobile working.
+ Perform at your best with a competitive starting salary and annual performance related salary increase - our pay and benefits packages are considered to be among the best in the world.
+ Take advantage of paid parental leave, including for non-birthing parents.
+ Join an organisation working to become one of the most diverse and inclusive in the world. We strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply.
+ Grow as you progress through diverse career opportunities in national and international teams.
+ Gain access to a wide range of training and development programmes.
**We'd like you to know that Shell has a bold goal: to become one of the world's most diverse and inclusive companies. You can get to know more about how we're working towards that goal,** click here ( **.**
**Shell in The United States**
Shell has been in the US for more than 100 years, leading the sector in energy, petrochemicals and refined products. Today, we provide millions of Americans with the energy needed to heat and cool their homes and power the economy.
We operate in all 50 states, from our Deep-Water platforms in the Gulf of America to the Pennsylvania Chemicals complex and our miles of pipelines throughout the US.
We reach our customers through our 13,000 branded retail stations, and we are number 1 in gasoline sales. We also own the #1 brand of motor oil in the U.S. - Pennzoil® - made from natural gas.
We are excited to play a key role in the move to net carbon emissions while providing the oil and gas needed by society for many decades to come.
-
**DISCLAIMER:**
Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell participates in E-Verify. All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information or other protected status under federal, state or local laws. Shell is an Equal Opportunity Employer - Minorities/Females/Veterans/Disability. As a US Federal Contractor, hiring selections are subject to periodic audit review and documentation of your selections should be maintained for a period of three calendar years. It is the policy of Shell in the U.S. ("Shell") to provide equal opportunity to all individuals, employees and all qualified applicants for employment consistent with employment requirements and qualifications. Shell prohibits discrimination based on race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, veteran status, citizenship, genetic information, or other protected status under federal, state or local laws. All employees are expected to support this policy and contribute to an environment of equal opportunity. If you need an accommodation for a disability during the resourcing process, please speak with an HR representative.
You can be a part of the future of energy. Together at Shell, we are transitioning to become a net-zero emissions business while providing the energy that people around the world need today. Working with experienced colleagues , you'll have the opportunity to develop your skills, in an environment where we value honesty, integrity and respect for one another. At Shell, you progress as we tackle the energy challenge together.
#PowerYourProgress
**Visit our careers site ( has a bold goal: to become one of the world's most diverse and inclusive companies, a place where everyone - from our employees to our customers, partners and suppliers - feels valued, respected, and has a strong sense of belonging.
Find out more about DE&I at Shell ( is a global group of energy and petrochemical companies, employing 96,000 people across more than 70 countries.
Whether they work on our platforms and pipelines, or in our offices and research labs, people are key to our success. They collectively determine our culture and we expect them to behave according to our values: honesty, integrity, and respect for people.
Learn more about our purpose and strategy ( **_If you need any assistance or support while applying for a job, please contact us at_** ** ** _"_
**Job Family Group:**
Finance
**Worker Type:**
Regular
**Posting Start Date:**
August 20, 2025
**Business unit:**
Finance
**Experience Level:**
Experienced Professionals
**Job Description:**
**What's the role?**
As a Senior Market Risk Analyst, you will be responsible of the following duties:
+ Act as Senior Market Risk focal point for front-office and senior stakeholders
+ Understand supply and demand fundamentals, including regional/locational price differences, fundamental drivers of changes in these spreads, historical market direction and trends/underlying fundamental causes
+ Design and analyze independent stress-test evaluations/scenario analysis of the portfolio that align with current risk-appetite and asses if limits are "right-sized" for growth
+ Evaluate new business opportunities by providing independent deal assessment including strategic/portfolio fit, limits impact evaluation, analysis of portfolio performance in various scenarios, identification of risks associated with the new deal, and back-testing strategies in collaboration with other Market Risk groups and the Deal Valuation team. Where applicable, provide peer review and challenge to deal proposals for other T&S businesses
+ Analyze performance or hedge effectiveness/back-tests of trading strategies, identify multiple factors driving position and profit and loss changes and provide insight to stakeholders and consumers of risk data for context
+ Develop and refine the fair economic valuation approach and provide steer on usage of market risk reserves
+ Regularly and independently evaluate known key deal inputs and identify/document shortcomings with internal evaluations
+ Provide daily, insightful, commentary of key portfolio activity including market intelligence, exposure changes and new deal activity
+ Ensure adherence to mandated exposure and risk limits and provide guidance on actions to be taken to reduce risk if necessary
+ Develop strong relationships with Shell Energy Americas commercial counterparts and possess deep end-to-end understanding of trading strategies, associated exposures and future growth aspirations for the trade desk supported
+ Collaborate with other support functions (e.g. Finance, Technical Accounting) for deal support and general portfolio queries
+ Support internal/external audit requirements
**What we need from you**
+ Must have legal authorization to work in the US on a full-time basis
+ Bachelor's Degree; preferred focus in Mathematics, Economics, Engineering, Science, or other relevant field
+ 5 or more years' working experience in a trading environment related to power and/or natural gas
+ 5 or more years of commodities market risk experience, preferred power and gas, including but not limited to: understanding of VaR methodology, valuation of non-vanilla option with physical constraints, design and implement stress testing scenarios, set different types of limits to monitor/control risk taking activities, design reserve methodology, etc.
+ Hands-on experience on long-term energy transactions, tolling agreements, renewable power purchase agreements, capacity agreements, contractual flexibilities, and non-linear products
+ Strong data analysis skills: hands-on experience using statistical analysis tools, programming languages and business intelligence tools
+ Strong interpersonal and communication skills (both written and verbal), including an ability to concisely explain complex concepts to non-specialist stakeholders in terms of intent and application
+ Learner mindset: innovative and creative, excellent critical thinking and problem-solving capabilities
+ Candidate must be able to work in Houston, TX, relocation is available for the chosen candidate if needed
**What we offer**
The base salary range for this position is $122,000 - $182,000 per year. Individual pay will be based on various factors such as relevant work experience, education, certifications, skill level, seniority, and internal equity.
For regular full-time or regular part-time employees of the Company (participating companies as listed in the Summary Plan Description), insurance coverage options include medical, dental, vision coverage, life Insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs. Employees also participate in a company pension plan and a 401(k) plan. Paid leave includes up to 6 weeks of paid vacation time, up to 11 paid holidays, and parental leave offering 16 weeks of paid leave for birthing parents, and 8 weeks of paid leave for non-birthing parents.
Additionally, employees are eligible for short-term disability leave for up to 26 weeks at 100% or 50% of base pay as well as Long-Term Disability insurance. Shell also offers other compensation such financial reimbursement for adoption, wellness, education, and personal learning expenses, and some roles are eligible for discretionary long-term incentives. For interns, eligible benefits include medical, dental, and vision coverage, life insurance, Business Travel Accident Insurance, and Occupational Accidental Death Benefit programs; participation in a 401(k) plan; and paid leave for up to 11 paid holidays. Additional information on Shell's US benefit programs can be found at bring your skills and experience to Shell and in return you work with talented, committed people on one of the most important challenges facing our planet. You'll have the opportunity to develop the skills you need to grow in an environment where we value honesty, integrity, and respect for one another. You'll be able to balance your priorities as you become the best version of yourself.
+ Progress as a person as we work on the energy transition together.
+ Continuously grow the transferable skills you need to get ahead.
+ Work at the forefront of technology, trends, and practices.
+ Collaborate with experienced colleagues with unique expertise.
+ Achieve your balance in a values-led culture that encourages you to be the best version of yourself.
+ Benefit from flexible working hours, and the possibility of remote/mobile working.
+ Perform at your best with a competitive starting salary and annual performance related salary increase - our pay and benefits packages are considered to be among the best in the world.
+ Take advantage of paid parental leave, including for non-birthing parents.
+ Join an organisation working to become one of the most diverse and inclusive in the world. We strongly encourage applicants of all genders, ages, ethnicities, cultures, abilities, sexual orientation, and life experiences to apply.
+ Grow as you progress through diverse career opportunities in national and international teams.
+ Gain access to a wide range of training and development programmes.
**We'd like you to know that Shell has a bold goal: to become one of the world's most diverse and inclusive companies. You can get to know more about how we're working towards that goal,** click here ( **.**
**Shell in The United States**
Shell has been in the US for more than 100 years, leading the sector in energy, petrochemicals and refined products. Today, we provide millions of Americans with the energy needed to heat and cool their homes and power the economy.
We operate in all 50 states, from our Deep-Water platforms in the Gulf of America to the Pennsylvania Chemicals complex and our miles of pipelines throughout the US.
We reach our customers through our 13,000 branded retail stations, and we are number 1 in gasoline sales. We also own the #1 brand of motor oil in the U.S. - Pennzoil® - made from natural gas.
We are excited to play a key role in the move to net carbon emissions while providing the oil and gas needed by society for many decades to come.
-
**DISCLAIMER:**
Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell participates in E-Verify. All qualified applicants will receive consideration for employment without regard to race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, protected veteran status, citizenship, genetic information or other protected status under federal, state or local laws. Shell is an Equal Opportunity Employer - Minorities/Females/Veterans/Disability. As a US Federal Contractor, hiring selections are subject to periodic audit review and documentation of your selections should be maintained for a period of three calendar years. It is the policy of Shell in the U.S. ("Shell") to provide equal opportunity to all individuals, employees and all qualified applicants for employment consistent with employment requirements and qualifications. Shell prohibits discrimination based on race, color, sex, national origin, age, religion, disability, sexual orientation, gender identity, veteran status, citizenship, genetic information, or other protected status under federal, state or local laws. All employees are expected to support this policy and contribute to an environment of equal opportunity. If you need an accommodation for a disability during the resourcing process, please speak with an HR representative.
You can be a part of the future of energy. Together at Shell, we are transitioning to become a net-zero emissions business while providing the energy that people around the world need today. Working with experienced colleagues , you'll have the opportunity to develop your skills, in an environment where we value honesty, integrity and respect for one another. At Shell, you progress as we tackle the energy challenge together.
#PowerYourProgress
**Visit our careers site ( has a bold goal: to become one of the world's most diverse and inclusive companies, a place where everyone - from our employees to our customers, partners and suppliers - feels valued, respected, and has a strong sense of belonging.
Find out more about DE&I at Shell ( is a global group of energy and petrochemical companies, employing 96,000 people across more than 70 countries.
Whether they work on our platforms and pipelines, or in our offices and research labs, people are key to our success. They collectively determine our culture and we expect them to behave according to our values: honesty, integrity, and respect for people.
Learn more about our purpose and strategy ( **_If you need any assistance or support while applying for a job, please contact us at_** ** ** _"_
View Now
0
Sr Analyst, Market Risk Analyst
33747 Saint Petersburg, Florida
Raymond James Financial, Inc.
Posted 14 days ago
Job Viewed
Job Description
**Job Summary**
The Senior Market Risk Analyst will support the Market Risk team in monitoring, reporting, and analyzing risk exposures across trading businesses, including Fixed Income, Structured Products, and Equities. This entry-level role is ideal for candidates with strong analytical skills and a keen interest in financial markets, offering exposure to both risk management and reporting functions within a dynamic trading environment.
**Essential Duties and Responsibilities**
+ Assist in the daily production and validation of market risk reports, including Value-at-Risk (VaR), sensitivities, and stress testing.
+ Support the monitoring of market risk exposures and limit utilization across trading desks.
+ Help reconcile risk data and investigate discrepancies in coordination with risk managers and technology teams.
+ Contribute to the automation and enhancement of reporting processes using tools such as Excel, Python, or SQL.
+ Participate in the preparation of materials for risk committees and senior management.
+ Maintain documentation of reporting procedures and data sources.
+ Stay informed on market developments and assist in ad hoc risk analysis as needed.
**Knowledge, Skills, and Abilities**
**Knowledge of**
+ Basic financial instruments and markets, including fixed income, equities, and derivatives.
+ Core market risk concepts such as Value-at-Risk (VaR), stress testing, and risk sensitivities (e.g., delta, gamma, vega).
+ Fundamental principles of risk management and regulatory frameworks (e.g., Basel III, CCAR) is a plus.
**Skill in**
+ Microsoft Excel, including functions, pivot tables, and basic VBA scripting.
+ Data analysis and visualization using tools such as Python, SQL, or Tableau (preferred but not required).
+ Identifying data inconsistencies and performing reconciliations with attention to detail.
+ Communicating clearly and concisely, both in writing and verbally, with technical and non-technical stakeholders.
**Ability to**
+ Learn quickly and apply new concepts in a fast-paced, dynamic environment.
+ Work collaboratively within a team and across departments such as trading, technology, and finance.
+ Manage multiple tasks and deadlines with a high degree of accuracy and accountability.
+ Think critically and analytically to support risk assessments and reporting enhancements.
**Educational/Previous Experience Requirements**
**Education/Previous Experience**
+ Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related field.
+ OR ~
+ Any equivalent combination of education, training or experience approved by Human Resources.
**_Please note: This role is not eligible for immigration Work Visa sponsorship, either currently or in the future._**
The Senior Market Risk Analyst will support the Market Risk team in monitoring, reporting, and analyzing risk exposures across trading businesses, including Fixed Income, Structured Products, and Equities. This entry-level role is ideal for candidates with strong analytical skills and a keen interest in financial markets, offering exposure to both risk management and reporting functions within a dynamic trading environment.
**Essential Duties and Responsibilities**
+ Assist in the daily production and validation of market risk reports, including Value-at-Risk (VaR), sensitivities, and stress testing.
+ Support the monitoring of market risk exposures and limit utilization across trading desks.
+ Help reconcile risk data and investigate discrepancies in coordination with risk managers and technology teams.
+ Contribute to the automation and enhancement of reporting processes using tools such as Excel, Python, or SQL.
+ Participate in the preparation of materials for risk committees and senior management.
+ Maintain documentation of reporting procedures and data sources.
+ Stay informed on market developments and assist in ad hoc risk analysis as needed.
**Knowledge, Skills, and Abilities**
**Knowledge of**
+ Basic financial instruments and markets, including fixed income, equities, and derivatives.
+ Core market risk concepts such as Value-at-Risk (VaR), stress testing, and risk sensitivities (e.g., delta, gamma, vega).
+ Fundamental principles of risk management and regulatory frameworks (e.g., Basel III, CCAR) is a plus.
**Skill in**
+ Microsoft Excel, including functions, pivot tables, and basic VBA scripting.
+ Data analysis and visualization using tools such as Python, SQL, or Tableau (preferred but not required).
+ Identifying data inconsistencies and performing reconciliations with attention to detail.
+ Communicating clearly and concisely, both in writing and verbally, with technical and non-technical stakeholders.
**Ability to**
+ Learn quickly and apply new concepts in a fast-paced, dynamic environment.
+ Work collaboratively within a team and across departments such as trading, technology, and finance.
+ Manage multiple tasks and deadlines with a high degree of accuracy and accountability.
+ Think critically and analytically to support risk assessments and reporting enhancements.
**Educational/Previous Experience Requirements**
**Education/Previous Experience**
+ Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related field.
+ OR ~
+ Any equivalent combination of education, training or experience approved by Human Resources.
**_Please note: This role is not eligible for immigration Work Visa sponsorship, either currently or in the future._**
View Now
1
Sr Analyst, Market Risk Analyst
10176 New York, New York
Raymond James Financial, Inc.
Posted 2 days ago
Job Viewed
Job Description
**Job Summary**
The Senior Market Risk Analyst will support the Market Risk team in monitoring, reporting, and analyzing risk exposures across trading businesses, including Fixed Income, Structured Products, and Equities. This entry-level role is ideal for candidates with strong analytical skills and a keen interest in financial markets, offering exposure to both risk management and reporting functions within a dynamic trading environment.
**Essential Duties and Responsibilities**
+ Assist in the daily production and validation of market risk reports, including Value-at-Risk (VaR), sensitivities, and stress testing.
+ Support the monitoring of market risk exposures and limit utilization across trading desks.
+ Help reconcile risk data and investigate discrepancies in coordination with risk managers and technology teams.
+ Contribute to the automation and enhancement of reporting processes using tools such as Excel, Python, or SQL.
+ Participate in the preparation of materials for risk committees and senior management.
+ Maintain documentation of reporting procedures and data sources.
+ Stay informed on market developments and assist in ad hoc risk analysis as needed.
**Knowledge, Skills, and Abilities**
**Knowledge of**
+ Basic financial instruments and markets, including fixed income, equities, and derivatives.
+ Core market risk concepts such as Value-at-Risk (VaR), stress testing, and risk sensitivities (e.g., delta, gamma, vega).
+ Fundamental principles of risk management and regulatory frameworks (e.g., Basel III, CCAR) is a plus.
**Skill in**
+ Microsoft Excel, including functions, pivot tables, and basic VBA scripting.
+ Data analysis and visualization using tools such as Python, SQL, or Tableau (preferred but not required).
+ Identifying data inconsistencies and performing reconciliations with attention to detail.
+ Communicating clearly and concisely, both in writing and verbally, with technical and non-technical stakeholders.
**Ability to**
+ Learn quickly and apply new concepts in a fast-paced, dynamic environment.
+ Work collaboratively within a team and across departments such as trading, technology, and finance.
+ Manage multiple tasks and deadlines with a high degree of accuracy and accountability.
+ Think critically and analytically to support risk assessments and reporting enhancements.
**Educational/Previous Experience Requirements**
**Education/Previous Experience**
+ Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related field.
+ OR ~
+ Any equivalent combination of education, training or experience approved by Human Resources.
**_Please note: This role is not eligible for immigration Work Visa sponsorship, either currently or in the future._**
The Senior Market Risk Analyst will support the Market Risk team in monitoring, reporting, and analyzing risk exposures across trading businesses, including Fixed Income, Structured Products, and Equities. This entry-level role is ideal for candidates with strong analytical skills and a keen interest in financial markets, offering exposure to both risk management and reporting functions within a dynamic trading environment.
**Essential Duties and Responsibilities**
+ Assist in the daily production and validation of market risk reports, including Value-at-Risk (VaR), sensitivities, and stress testing.
+ Support the monitoring of market risk exposures and limit utilization across trading desks.
+ Help reconcile risk data and investigate discrepancies in coordination with risk managers and technology teams.
+ Contribute to the automation and enhancement of reporting processes using tools such as Excel, Python, or SQL.
+ Participate in the preparation of materials for risk committees and senior management.
+ Maintain documentation of reporting procedures and data sources.
+ Stay informed on market developments and assist in ad hoc risk analysis as needed.
**Knowledge, Skills, and Abilities**
**Knowledge of**
+ Basic financial instruments and markets, including fixed income, equities, and derivatives.
+ Core market risk concepts such as Value-at-Risk (VaR), stress testing, and risk sensitivities (e.g., delta, gamma, vega).
+ Fundamental principles of risk management and regulatory frameworks (e.g., Basel III, CCAR) is a plus.
**Skill in**
+ Microsoft Excel, including functions, pivot tables, and basic VBA scripting.
+ Data analysis and visualization using tools such as Python, SQL, or Tableau (preferred but not required).
+ Identifying data inconsistencies and performing reconciliations with attention to detail.
+ Communicating clearly and concisely, both in writing and verbally, with technical and non-technical stakeholders.
**Ability to**
+ Learn quickly and apply new concepts in a fast-paced, dynamic environment.
+ Work collaboratively within a team and across departments such as trading, technology, and finance.
+ Manage multiple tasks and deadlines with a high degree of accuracy and accountability.
+ Think critically and analytically to support risk assessments and reporting enhancements.
**Educational/Previous Experience Requirements**
**Education/Previous Experience**
+ Bachelor's degree in Finance, Economics, Mathematics, Engineering, or a related field.
+ OR ~
+ Any equivalent combination of education, training or experience approved by Human Resources.
**_Please note: This role is not eligible for immigration Work Visa sponsorship, either currently or in the future._**
View Now
2
Credit Risk Analyst
33075 Coral Springs, Florida
Fiserv
Posted 3 days ago
Job Viewed
Job Description
**Calling all innovators - find your future at Fiserv.**
We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.
**Job Title**
Credit Risk Analyst
**What does a successful Credit Risk Analyst do?**
At Fiserv, a successful Credit Risk Analyst reviews and investigates merchant accounts to assess fraud and credit risk exposure, ensuring effective risk mitigation. You will join a dedicated team focused on delivering excellence and building trusted client relationships. You will be responsible for completing special projects as assigned. You will read and interpret documents, and calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Exercising discretion and independent judgment in making decisions, you will interact effectively and positively with all levels of personnel, partners, and vendors. You will also have the capability to work independently or in a team environment, especially under stressful situations.
**What you will do:**
+ Review and investigate merchant accounts to assess fraud and credit risk exposure.
+ Negotiate collateral requirements and restructuring terms as required.
+ Resolve merchant inquiries through scheduled calls.
+ Coordinate risk mitigation efforts with other areas of the business such as Funding, Legal, Operations, and Client Services.
+ Exercise discretion and independent judgment in making decisions.
**What you will need to have:**
+ High school graduate/GED and/or equivalent military experience.
+ 2+ years of experience in customer service.
+ Ability to work some weekends and holidays to meet deadlines.
**What would be great to have:**
+ Associate degree or bachelor's degree in finance or criminal justice and/or equivalent military experience.
+ 1+ year of experience in credit risk assessment.
+ Applicants must be authorized to work for any employer in the US. We are unable to provide employer sponsorship or take over sponsorship of an employer-sponsored visa.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and lead to stronger productivity.
+ In order to be considered, you must be legally authorized to work in the U.S. without the need for sponsorship, now or in the future.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**Note to agencies:**
Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.
**Warning about fake job posts:**
Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.
We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.
**Job Title**
Credit Risk Analyst
**What does a successful Credit Risk Analyst do?**
At Fiserv, a successful Credit Risk Analyst reviews and investigates merchant accounts to assess fraud and credit risk exposure, ensuring effective risk mitigation. You will join a dedicated team focused on delivering excellence and building trusted client relationships. You will be responsible for completing special projects as assigned. You will read and interpret documents, and calculate figures and amounts such as discounts, interest, commissions, proportions, and percentages. Exercising discretion and independent judgment in making decisions, you will interact effectively and positively with all levels of personnel, partners, and vendors. You will also have the capability to work independently or in a team environment, especially under stressful situations.
**What you will do:**
+ Review and investigate merchant accounts to assess fraud and credit risk exposure.
+ Negotiate collateral requirements and restructuring terms as required.
+ Resolve merchant inquiries through scheduled calls.
+ Coordinate risk mitigation efforts with other areas of the business such as Funding, Legal, Operations, and Client Services.
+ Exercise discretion and independent judgment in making decisions.
**What you will need to have:**
+ High school graduate/GED and/or equivalent military experience.
+ 2+ years of experience in customer service.
+ Ability to work some weekends and holidays to meet deadlines.
**What would be great to have:**
+ Associate degree or bachelor's degree in finance or criminal justice and/or equivalent military experience.
+ 1+ year of experience in credit risk assessment.
+ Applicants must be authorized to work for any employer in the US. We are unable to provide employer sponsorship or take over sponsorship of an employer-sponsored visa.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and lead to stronger productivity.
+ In order to be considered, you must be legally authorized to work in the U.S. without the need for sponsorship, now or in the future.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**Note to agencies:**
Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.
**Warning about fake job posts:**
Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.
View Now
3
Credit Risk Analyst
33114 Coral Gables, Florida
First Horizon Bank
Posted 14 days ago
Job Viewed
Job Description
**Description**
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
View Now
4
Credit Risk Analyst
02133 Boston, Kentucky
Coinbase
Posted 16 days ago
Job Viewed
Job Description
Ready to be pushed beyond what you think you're capable of?
At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform - and with it, the future global financial system.
To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems.
Our is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be.
While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.
*Team/ Role Paragraph:*
Coinbase is looking for a highly motivated Credit Risk Analyst to join our Credit Risk team. We are looking for a Risk Analyst with credit or market risk experience across centrally cleared derivatives and credit products (derivatives, secured lending, and/or prime brokerage), and with a strong understanding in risk analysis / mitigants for levered product offerings. The right candidate will enjoy exploring the technical aspects of the margin framework, focusing on effectively managing leverage levels, position and ecosystem limits, and liquidation notional, while striking a balance between growth and risk management. This role will report to the Head of Derivatives Credit Risk, and may be based in New York or remotely in the United States.
*What you'll be doing (ie. job duties):***
* Perform quantitative analysis to inform risk calibrations / configurations
* Present findings and recommendations to senior leadership and answer questions relating to analysis performed; escalate issues to senior management
* Lead efforts to produce ongoing surveillance and prepare portfolio observations for senior management
* Monitor portfolio risks and oversee periodic and ad hoc portfolio reviews.
* Recommend and implement policies and processes, as appropriate for emerging businesses and risks.
* Collaborate with business partners (product, coverage, operations, legal, etc.) to resolve complex client and product challenges.
* Prepare presentations covering key risk trends, areas of focus, and risk analysis related to market volatility
*What we look for in you (ie. job requirements):***
* Minimum of 4 years' experience in credit / market risk management associated with derivatives at a global financial institution.
* Strong quantitative skills and understanding of capital markets products.
* Strong verbal and written communication skills.
* Self-starter with commercial business insight. Able to interact, influence and build relationships at all levels of seniority and across all functions within an organization.
* Able to balance strategic focus with tactical implementation and efficient execution.
* Excellent analytical, quantitative and spreadsheet skills.
* Enjoys analyzing, evaluating and forming independent judgments, and challenging the status quo for better outcomes.
*Nice to haves:*
* Strong data analytics, SQL, experience with data visualization and business intelligence applications
Job #: P70588
*Pay Transparency Notice:* Depending on your work location, the target annual salary for this position can range as detailed below. Full time offers from Coinbase also include target bonus + target equity + benefits (including medical, dental, vision and 401(k)).
Pay Range:
$111,800-$127,800 USD
Please be advised that each candidate may submit a maximum of four applications within any 30-day period. We encourage you to carefully evaluate how your skills and interests align with Coinbase's roles before applying.
Commitment to Equal Opportunity
Coinbase is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, sex, gender expression or identity, sexual orientation or any other basis protected by applicable law. Coinbase will also consider for employment qualified applicants with criminal histories in a manner consistent with applicable federal, state and local law. For US applicants, you may view the in certain locations, as required by law.
Coinbase is also committed to 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 contact us at accommodations Data Privacy Notice for Job Candidates and Applicants
Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is available Disclosure
For select roles, Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. A human recruiter will review your interview responses, provided in the form of a voice recording and/or transcript, to assess them against the qualifications and characteristics outlined in the job description.
For select roles, Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate.
*The above pilots are for testing purposes and Coinbase will not use AI to make decisions impacting employment*. To request a reasonable accommodation due to disability, please contact accommodations(at)coinbase.com
At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform - and with it, the future global financial system.
To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems.
Our is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be.
While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.
*Team/ Role Paragraph:*
Coinbase is looking for a highly motivated Credit Risk Analyst to join our Credit Risk team. We are looking for a Risk Analyst with credit or market risk experience across centrally cleared derivatives and credit products (derivatives, secured lending, and/or prime brokerage), and with a strong understanding in risk analysis / mitigants for levered product offerings. The right candidate will enjoy exploring the technical aspects of the margin framework, focusing on effectively managing leverage levels, position and ecosystem limits, and liquidation notional, while striking a balance between growth and risk management. This role will report to the Head of Derivatives Credit Risk, and may be based in New York or remotely in the United States.
*What you'll be doing (ie. job duties):***
* Perform quantitative analysis to inform risk calibrations / configurations
* Present findings and recommendations to senior leadership and answer questions relating to analysis performed; escalate issues to senior management
* Lead efforts to produce ongoing surveillance and prepare portfolio observations for senior management
* Monitor portfolio risks and oversee periodic and ad hoc portfolio reviews.
* Recommend and implement policies and processes, as appropriate for emerging businesses and risks.
* Collaborate with business partners (product, coverage, operations, legal, etc.) to resolve complex client and product challenges.
* Prepare presentations covering key risk trends, areas of focus, and risk analysis related to market volatility
*What we look for in you (ie. job requirements):***
* Minimum of 4 years' experience in credit / market risk management associated with derivatives at a global financial institution.
* Strong quantitative skills and understanding of capital markets products.
* Strong verbal and written communication skills.
* Self-starter with commercial business insight. Able to interact, influence and build relationships at all levels of seniority and across all functions within an organization.
* Able to balance strategic focus with tactical implementation and efficient execution.
* Excellent analytical, quantitative and spreadsheet skills.
* Enjoys analyzing, evaluating and forming independent judgments, and challenging the status quo for better outcomes.
*Nice to haves:*
* Strong data analytics, SQL, experience with data visualization and business intelligence applications
Job #: P70588
*Pay Transparency Notice:* Depending on your work location, the target annual salary for this position can range as detailed below. Full time offers from Coinbase also include target bonus + target equity + benefits (including medical, dental, vision and 401(k)).
Pay Range:
$111,800-$127,800 USD
Please be advised that each candidate may submit a maximum of four applications within any 30-day period. We encourage you to carefully evaluate how your skills and interests align with Coinbase's roles before applying.
Commitment to Equal Opportunity
Coinbase is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, sex, gender expression or identity, sexual orientation or any other basis protected by applicable law. Coinbase will also consider for employment qualified applicants with criminal histories in a manner consistent with applicable federal, state and local law. For US applicants, you may view the in certain locations, as required by law.
Coinbase is also committed to 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 contact us at accommodations Data Privacy Notice for Job Candidates and Applicants
Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is available Disclosure
For select roles, Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. A human recruiter will review your interview responses, provided in the form of a voice recording and/or transcript, to assess them against the qualifications and characteristics outlined in the job description.
For select roles, Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate.
*The above pilots are for testing purposes and Coinbase will not use AI to make decisions impacting employment*. To request a reasonable accommodation due to disability, please contact accommodations(at)coinbase.com
View Now
5
Credit Risk Analyst
19406 King Of Prussia, Pennsylvania
Fiserv
Posted today
Job Viewed
Job Description
**Calling all innovators - find your future at Fiserv.**
We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.
**Job Title**
Credit Risk Analyst
**What does a successful Credit Risk Analyst do?**
The Credit Risk Analyst is a key player at Fiserv, committed to ensuring the quality and integrity of incoming merchant processing applications. By tracking and monitoring these applications through the Underwriting process, you will ensure they are handled within SLA. Your work empowers Fiserv to align with clients' futures while keeping a steady eye on today's realities. Join us in delivering excellence and inspiring possibilities in financial services.
**What you will do:**
+ Review incoming merchant processing applications and assess for decision.
+ Track and monitor incoming applications through the Underwriting process to ensure processing within SLA.
+ Verify quality standards of all applications.
+ Utilize 3rd Party resources to verify business operations and demographics.
+ Communicate with sales partners, merchants, and processors to resolve Risk/Underwriting inquiries or issues.
+ Review application documentation and reports to assess credit risk exposure to CardConnect and make sound decisions.
+ Assist with short and long-term projects as assigned.
**What you will need to have:**
+ 1-2 years of experience with credit reporting (individual and business).
+ 2+ years of experience with Microsoft Office Suite.
+ 2+ years of experience in a client facing role.
**What would be great to have:**
+ 1-3 years of experience in merchant processing industry or financial industry.
+ Bachelor's degree at an accredited university and/or equivalent military experience.
+ Knowledge of Card Brand rules and regulations with 2+ years of experience.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
+ In order to be considered, you must be legally authorized to work in the U.S. without need for sponsorship, now or in the future.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**Note to agencies:**
Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.
**Warning about fake job posts:**
Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.
We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.
**Job Title**
Credit Risk Analyst
**What does a successful Credit Risk Analyst do?**
The Credit Risk Analyst is a key player at Fiserv, committed to ensuring the quality and integrity of incoming merchant processing applications. By tracking and monitoring these applications through the Underwriting process, you will ensure they are handled within SLA. Your work empowers Fiserv to align with clients' futures while keeping a steady eye on today's realities. Join us in delivering excellence and inspiring possibilities in financial services.
**What you will do:**
+ Review incoming merchant processing applications and assess for decision.
+ Track and monitor incoming applications through the Underwriting process to ensure processing within SLA.
+ Verify quality standards of all applications.
+ Utilize 3rd Party resources to verify business operations and demographics.
+ Communicate with sales partners, merchants, and processors to resolve Risk/Underwriting inquiries or issues.
+ Review application documentation and reports to assess credit risk exposure to CardConnect and make sound decisions.
+ Assist with short and long-term projects as assigned.
**What you will need to have:**
+ 1-2 years of experience with credit reporting (individual and business).
+ 2+ years of experience with Microsoft Office Suite.
+ 2+ years of experience in a client facing role.
**What would be great to have:**
+ 1-3 years of experience in merchant processing industry or financial industry.
+ Bachelor's degree at an accredited university and/or equivalent military experience.
+ Knowledge of Card Brand rules and regulations with 2+ years of experience.
**Perks at Work:**
+ We're #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
+ Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
+ Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
+ Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
+ Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
+ Advance your career with training, development, certification, and internal mobility opportunities.
+ Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.
**Important information about this role:**
+ This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
+ In order to be considered, you must be legally authorized to work in the U.S. without need for sponsorship, now or in the future.
+ This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
+ All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.
This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.
It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.
_Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate._
Thank you for considering employment with Fiserv. Please:
+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).
**Our commitment to Equal Opportunity:**
Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.
If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact . Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.
**Note to agencies:**
Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.
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6
Credit Risk Analyst
14068 Getzville, New York
Citigroup
Posted today
Job Viewed
Job Description
Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi's institutional clients. ICM's objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise. Within ICM, the Credit Underwriting function ("ICM UW" or "UW") provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
ICM Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables.
A C11 Credit Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners.
This role has responsibility for the NAM Banks & Broker Dealer portfolio.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's Large Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi's Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi's risk appetite
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners
+ Partnership with applicable regional and industry stakeholders in in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Skills/Competencies:**
+ Risk & Credit Underwriting:
+ Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
+ Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
+ Displays robust industry research capabilities, including risk and key drivers
+ Strong understanding of Credit Policy and procedures; proactively refers to resources as needed
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
+ Leadership:
+ Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
+ Embraces the need for change and appreciates its benefits with natural curiosity
+ Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas
+ Interpersonal:
+ Strong interpersonal skills, with the ability to build relationships
+ Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Technical:
+ Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
+ Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
**Qualifications:**
+ 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
+ Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
+ Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.
+ Ability to apply credit and risk principles toward business goals.
+ Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
+ Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.
+ Interpersonal, organizational and analytic skills.
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Primary Location:**
Getzville New York United States
---
**Primary Location Full Time Salary Range:**
$61,120.00 - $85,280.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
**Anticipated Posting Close Date:**
Sep 23, 2025
---
_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.
ICM Credit Analysts are responsible for a portfolio of relationships, owning the production of credit risk analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. This production includes annual reviews, quarterly reviews, and support to ad-hoc transactions and other credit deliverables.
A C11 Credit Analyst is expected to have a strong understanding of credit risk, of Citi´s internal policies and procedures, and of being relatively knowledgeable about the industry fundamentals that portfolio belongs to. They should need some supervision from Jr. and Sr. senior UWs, especially on more sensitive and complex credit situations, and be able to carry thoughtful conversations with partners.
This role has responsibility for the NAM Banks & Broker Dealer portfolio.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's Large Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi's Counterparties based on independent assessment and judgement; completed based on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi's risk appetite
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners
+ Partnership with applicable regional and industry stakeholders in in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Skills/Competencies:**
+ Risk & Credit Underwriting:
+ Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
+ Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
+ Displays robust industry research capabilities, including risk and key drivers
+ Strong understanding of Credit Policy and procedures; proactively refers to resources as needed
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
+ Leadership:
+ Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
+ Embraces the need for change and appreciates its benefits with natural curiosity
+ Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas
+ Interpersonal:
+ Strong interpersonal skills, with the ability to build relationships
+ Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Technical:
+ Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
+ Progressive experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
**Qualifications:**
+ 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
+ Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
+ Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.
+ Ability to apply credit and risk principles toward business goals.
+ Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
+ Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.
+ Interpersonal, organizational and analytic skills.
**Education:**
+ Bachelor's/University degree or equivalent experience
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Primary Location:**
Getzville New York United States
---
**Primary Location Full Time Salary Range:**
$61,120.00 - $85,280.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
**Anticipated Posting Close Date:**
Sep 23, 2025
---
_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.
View Now
7
Credit Risk Analyst
75062 Irving, Texas
Citigroup
Posted 2 days ago
Job Viewed
Job Description
Corporate Developed Markets (CDM) Underwriting is an integral part of the Institutional Credit Management ("ICM") Underwriting organization. The ICM UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking shared commitment to ensuring the safety and soundness of wholesale lending across ICM.
ICM Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Analysts are expected to use their industry and financial knowledge to perform credit assessments, including applying discretionary judgment on aspects that relate to credit risk ratings, regulatory classification and credit recommendation to second line of defense. That includes the production of Annual Reviews, Quarterly Reviews, Transactions memos.
A Credit Risk Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Underwriter but take each interaction opportunity to further learn about credit risk, industry fundamentals, effective writing and communication.
This role has responsibility for the portfolio of Consumer Goods & Retail Relationships and the role reports directly to the Underwriting Manager.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi's Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
+ Perform Transaction memos approvals in a timely manner according to Business priority, discretionary recommendation should be documented in the memo on the proposal.
+ Exercise discretion and independent judgement based on the analysis performed to make recommendations to second line of defense on risk ratings, classifications and proposal.
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to UWs, ICM Risk and Banking partners
+ Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Skills/Competencies:**
+ Risk & Credit Underwriting:
+ Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
+ Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
+ Displays basic industry research capabilities, including risk and key drivers
+ Basic understanding of Credit Policy and procedures; proactively refers to resources as needed
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
+ Been able to articulate orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis.
+ Leadership:
+ Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
+ Embraces the need for change and appreciates its benefits with natural curiosity
+ Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas
+ Competencies:
+ Interpersonal skills, with the ability to build relationships
+ Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Technical:
+ Microsoft Office (Word, Excel, and PowerPoint) skills
+ Knowledge of Financial Modeling Concepts
**Qualifications:**
+ BA/BS in Finance or Accounting or higher degree in Business (MBA), or any other related subject
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Primary Location:**
Irving Texas United States
---
**Primary Location Full Time Salary Range:**
$59,200.00 - $82,600.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
**Anticipated Posting Close Date:**
Sep 17, 2025
---
_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.
ICM Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Analysts are expected to use their industry and financial knowledge to perform credit assessments, including applying discretionary judgment on aspects that relate to credit risk ratings, regulatory classification and credit recommendation to second line of defense. That includes the production of Annual Reviews, Quarterly Reviews, Transactions memos.
A Credit Risk Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Underwriter but take each interaction opportunity to further learn about credit risk, industry fundamentals, effective writing and communication.
This role has responsibility for the portfolio of Consumer Goods & Retail Relationships and the role reports directly to the Underwriting Manager.
**Key Responsibilities:**
+ Assess the credit and financial strength of Citi's counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
+ Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi's Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite.
+ Perform Transaction memos approvals in a timely manner according to Business priority, discretionary recommendation should be documented in the memo on the proposal.
+ Exercise discretion and independent judgement based on the analysis performed to make recommendations to second line of defense on risk ratings, classifications and proposal.
+ Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to UWs, ICM Risk and Banking partners
+ Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
+ Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
+ Travel (less than 10%)
**Skills/Competencies:**
+ Risk & Credit Underwriting:
+ Fundamental analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues
+ Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
+ Displays basic industry research capabilities, including risk and key drivers
+ Basic understanding of Credit Policy and procedures; proactively refers to resources as needed
+ Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
+ Been able to articulate orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis.
+ Leadership:
+ Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
+ Embraces the need for change and appreciates its benefits with natural curiosity
+ Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas
+ Competencies:
+ Interpersonal skills, with the ability to build relationships
+ Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
+ Strong written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
+ Technical:
+ Microsoft Office (Word, Excel, and PowerPoint) skills
+ Knowledge of Financial Modeling Concepts
**Qualifications:**
+ BA/BS in Finance or Accounting or higher degree in Business (MBA), or any other related subject
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
---
**Job Family Group:**
Risk Management
---
**Job Family:**
Credit Decisions
---
**Time Type:**
Full time
---
**Primary Location:**
Irving Texas United States
---
**Primary Location Full Time Salary Range:**
$59,200.00 - $82,600.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
---
**Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
---
**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
---
**Anticipated Posting Close Date:**
Sep 17, 2025
---
_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.
View Now
8
Credit Risk Analyst
38111 Memphis, Tennessee
First Horizon Bank
Posted 2 days ago
Job Viewed
Job Description
**Description**
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
**Location:** On site in location Charlotte, NC, Memphis, TN or Miami, FL
**SUMMARY**
As a member of the Credit Risk Analytics team, the Risk Consultant II plays a key role in assisting the business partners through reporting and analysis to enable them to apply actionable insights to understand and improve business performance. The role will provide reporting and analytical services to various business lines for the management of risk issues, that include the identification of risk issues and development appropriate responses.
**ESSENTIAL DUTIES AND RESPONSIBILITIES**
+ Develop and maintain credit risk models using SQL and other data tools to identify portfolio trends, risk concentrations, and emerging risks.
+ Contribute to data quality initiatives by identifying and resolving data inconsistencies and helping improve data quality related to credit risk.
+ Participate and lead initiatives focused on process improvement, risk challenge, or building analytical functions within an organization
+ Design and build dashboards and visualizations using tools such as Tableau and Power BI to monitor portfolio performance and communicate insights to stakeholders
+ Hands-on experience producing and presenting analysis for internal or external clients, including executive stakeholders.
+ Collaborate with Credit Risk Analytics team members to execute & improve report development processes
**SUPERVISORY RESPONSIBILITIES**
1. No supervisory responsibilities
**QUALIFICATIONS**
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Additionally, the qualifications listed below are representative of the knowledge, skills, and/or abilities required in this position:
1. Bachelor (4-year college) degree and 4-6 years of experience or equivalent combination of education and experience
2. Bachelor's degree or equivalent in computer science, data mining, applied mathematics or other quantitative discipline
3. 4+ years of experience with banking and/or business intelligence experience
4. Previous roles in credit underwriting, banking analytics, risk management, or financial consulting, with an emphasis on insight generation and issue identification.
5. Proven ability to interpret, document, and communicate analysis of complex data in both written and visual formats.
6. Experience with Excel, PowerPoint, Tableau, Power BI, SQL, and programming languages (ex: SAS, Java/Python)
7. Good written and oral communication skills
**COMPUTER AND OFFICE EQUIPMENT SKILLS**
Microsoft Office suite
**CERTIFICATES, LICENSES, REGISTRATIONS (Ex: CPA, Series 6 or 7 license, etc)**
None required
**About Us**
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ( .
**Benefit Highlights**
- Medical with wellness incentives, dental, and vision
- HSA with company match
- Maternity and parental leave
- Tuition reimbursement
- Mentor program
- 401(k) with 6% match
- More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
**Follow Us**
Facebook ( formerly Twitter
LinkedIn ( ( Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights ( notice from the Department of Labor.
View Now
9