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Become A Credit Risk Analyst

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Working As A Credit Risk Analyst

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Analyzing Data or Information
  • Making Decisions and Solving Problems
  • Mostly Sitting

  • $87,940

    Average Salary

What Does A Credit Risk Analyst Do At Goldman Sachs & Co.

* Counterparty Analysis and Risk Management: Write annual reviews assessing counterparties' creditworthiness and recommend internal credit ratings
* Build and maintain financial projection models
* Present analysis to senior management and peers
* Monitor counterparties for changes in creditworthiness and take appropriate action
* Plan and participate in counterparty due diligence sessions
* Produce commentaries for senior management
* Other key responsibilities include:
* Coordinating with New York and European-based colleagues in GS CRMA and other divisions
* Supporting CRMA governance committees
* Participating in regulatory examinations

What Does A Credit Risk Analyst Do At Federal Reserve Bank

* Ensures compliance with Reserve Bank and System Credit Risk Management policies and procedures
* Assists with the operation, administration and compliance with Discount Window activities
* Communicates with depository institutions regarding routine Discount Window loan requests, borrowing agreements, and collateral deposit and withdrawal activity
* Reviews and prepares pledged collateral information for input to the Collateral Management System and performs follow-up as necessary
* Leads and/or assists with borrower-in-custody reviews for Discount Window and PSR collateral and works with depository institutions to establish and maintain collateral pledge arrangements
* Reviews supervisory information, including regulatory reports and financial data to identify, analyze, and summarize important risk trends.
* Prepares and presents credit risk analyses findings to department management.
* Participates on System and District workgroups and projects
* Develops and maintains business intelligence solutions to meet routine and ad hoc District reporting needs

What Does A Credit Risk Analyst Do At State Street

* Undertake credit analysis on a portfolio of real money funds (collective investment schemes, pension schemes and other investment vehicles) arising from the London client base.
* Perform risk ratings and re-ratings within State Street’s Basel-compliant models.
* Monitor and manage the credit quality of the client portfolio, recommending action when necessary.
* Propose adjustments to limit sizes and tenors based on reasoned analysis together with business requirements and utilization history.
* Develop strong knowledge of State Street’s risk systems and principal trading systems, especially with respect to exposure methodologies, account and limit structuring, and reporting.
* Review and understand Boston limit exceptions reports, investigations of causes and proposal of remediation action.
* Build direct relationships with key clients as necessary in order to enhance credit risk management processes, participating in client meetings.
* Build knowledge of the content and structuring of legal documentation governing trading businesses.
* Propose and implement enhancements to the credit approval and risk management processes.
* Establish a close working relationship with the front office business teams, and with other internal groups, to ensure effective and efficient communication of all relevant matters.
*

What Does A Credit Risk Analyst Do At Southern Management Corportation

* Analyzing a company’s financial and operational strengths and weaknesses
* including leverage, key risk factors, sources of repayment, cash flow, and
* ability to service debt.
* Gather, organize, and analyze information.
* Testing hypotheses in a variety of areas in order to mitigate loss and
* decrease exposure to financial and operational risk.
* Provide daily support for departmental operations.
* Perform statistical analysis to support credit decisions
* Provide insight for process improvement across functional areas.
* Other tasks as assigned.
* Primary Duties:
* Responsible for assessing credit risk, reporting on credit
* metrics, conducting data and business analysis, utilizing best practices of
* data analysis to ensure data results are accurate, summarizing findings, etc.
* Develop recommendations and present analysis to management
* in a clear, concise, convincing, and actionable format
* Perform analysis of application and portfolio data using
* statistical analysis tools including SQL, SAS, and
* Excel
* Designs, develops,
* produces and maintains complex reporting across businesses to guide the
* assessment of product, portfolio, and business strategies.
* Produces high quality dashboards in a clear format that
* highlights actionable data points using client-ready tables, charts and text.
* Education &
* Experience
* Bachelor's degree or equivalent experience; Master’s
* Degree (preferred) in Finance, Economics, Mathematics, Statistics, or similar
* quantitative field.
* years of experience in consumer loan credit risk
* analysis preferred

What Does A Credit Risk Analyst Do At Kohl's

* Portfolio Risk Analysis
* Evaluate portfolio risk by monitoring metric trends.
* Evaluate and monitor the impact of proactive and reactive line changes.
* Evaluate and monitor the impact of overlimit authorizations.
* Evaluate and monitor the impact of collections strategies.
* Performance Reporting
* Portfolio loss reporting - contractual and manual losses.
* Portfolio delinquency reporting - roll rates and lag rates.
* Forbearance program performance reporting
* CCCS, Short and Long Term programs.
* Production reporting - collections metrics - contacts, reviews, reach etc.
* Ad hoc Analysis
* What if/scenario analysis to assess loss impacts over different time frames e.g. quarterly, seasonally.
* What if/scenario analysis to assess delinquency impacts over different time frames e.g. quarterly, seasonally.
* What if/scenario analysis to assess revenue impacts over different time frames e.g. quarterly, seasonally.
* What if/scenario analysis to assess revenue and loss impacts over different time frames e.g. quarterly, seasonally based on different outstandings.
* Forecasting
* Forecast losses
* Contractual and Manual
* Dollars and Units.
* Forecast delinquencies
* Dollars and Units.
* Forecast outstandings
* Dollars and Units.
* Forecast revenues
* Interest and fees
* Dollars and Units

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Credit Risk Analyst jobs

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Credit Risk Analyst Career Paths

Credit Risk Analyst
Risk Analyst Business Analyst Senior Finance Analyst
Accounting Manager
7 Yearsyrs
Senior Risk Analyst Risk Manager Portfolio Manager
Assistant Treasurer
5 Yearsyrs
Senior Finance Analyst Controller Operations Manager
Assistant Vice President
7 Yearsyrs
Assistant Vice President Vice President Chief Finance Officer
Chief Finance And Operating Officer
14 Yearsyrs
Assistant Vice President Human Resources Coordinator Controller
Corporate Controller
12 Yearsyrs
Senior Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Senior Credit Analyst Credit Supervisor Credit Manager
Credit Director
10 Yearsyrs
Senior Associate Finance Consultant Assistant Branch Manager
Credit Manager
5 Yearsyrs
Compliance Analyst Business Analyst Assistant Vice President
Credit Officer
5 Yearsyrs
Senior Finance Analyst Finance Manager Controller
Finance Controller
9 Yearsyrs
Vice President And Manager Mortgage Consultant Underwriter
Lending Services Manager
7 Yearsyrs
Senior Analyst Senior Finance Analyst Assistant Vice President
Manager, Assistant Vice President
7 Yearsyrs
Risk Manager Safety Manager Program Manager
Portfolio Manager
7 Yearsyrs
Risk Manager Senior Manager Senior Project Manager
Senior Portfolio Manager
10 Yearsyrs
Compliance Analyst Senior Analyst Assistant Vice President
Senior Relationship Manager
10 Yearsyrs
Senior Associate Operations Manager Underwriter
Underwriting Manager
8 Yearsyrs
Risk Analyst Assistant Vice President
Vice President And Manager
10 Yearsyrs
Project Manager Program Manager Portfolio Manager
Vice President And Portfolio Manager
10 Yearsyrs
Senior Analyst Assistant Vice President
Vice President Operation Manager
9 Yearsyrs
Project Manager Senior Project Manager Vice President And Manager
Vice President, Product Manager
9 Yearsyrs
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Credit Risk Analyst Demographics

Gender

Male

52.1%

Female

40.9%

Unknown

7.0%
Ethnicity

White

63.6%

Asian

21.7%

Hispanic or Latino

9.9%

Unknown

3.5%

Black or African American

1.3%
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Languages Spoken

Spanish

31.6%

French

14.3%

Mandarin

10.5%

Chinese

9.8%

Russian

4.5%

Hindi

3.8%

German

3.8%

Cantonese

3.8%

Portuguese

3.0%

Japanese

3.0%

Italian

2.3%

Sami

1.5%

Korean

1.5%

Urdu

1.5%

Arabic

1.5%

Swedish

0.8%

Turkish

0.8%

Gujarati

0.8%

Dutch

0.8%

Sindhi

0.8%
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Credit Risk Analyst Education

Schools

New York University

11.1%

University of Phoenix

7.0%

University of Delaware

7.0%

Fordham University

6.4%

George Washington University

5.8%

University of Connecticut

5.8%

Columbia University

5.3%

Temple University

4.7%

Cornell University

4.7%

DePaul University

4.7%

Hofstra University

4.7%

Northeastern University

4.1%

University of Chicago

4.1%

University of Cincinnati

3.5%

Georgia State University

3.5%

University of Utah

3.5%

Walden University

3.5%

Boston University

3.5%

Georgia Institute of Technology -

3.5%

Liberty University

3.5%
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Majors

Finance

33.0%

Business

22.2%

Economics

9.5%

Accounting

6.8%

Statistics

4.5%

Management

4.1%

Management Science

2.3%

Marketing

2.1%

Mathematics

1.8%

Applied Mathematics

1.6%

Real Estate

1.6%

Criminal Justice

1.5%

Political Science

1.5%

Education

1.4%

Computer Science

1.1%

Computer Information Systems

1.1%

Law

1.1%

Business Economics

1.0%

Communication

1.0%

International Business

0.9%
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Degrees

Masters

41.2%

Bachelors

38.8%

Other

11.1%

Associate

3.4%

Doctorate

2.7%

Certificate

2.4%

Diploma

0.3%

License

0.2%
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Part Time
Internship
Temporary

Real Credit Risk Analyst Salaries

Job Title Company Location Start Date Salary
SR Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Jan 29, 2016 $220,813
Vice President, Senior Market & Credit Risk Business Analyst Nomura America Services, LLC New York, NY Apr 27, 2015 $165,000 -
$175,000
Credit Risk Analyst-Credit Portfolio Risk Forecasting MUFG Union Bank, N.A. San Francisco, CA Apr 13, 2015 $135,000
Credit Risk Analyst ANZ Banking Group Ltd New York, NY Jan 03, 2016 $130,000
VP, Credit Risk Analyst, Counterparty Stress & Regulatory Jpmorgan Chase & Co. New York, NY Dec 22, 2015 $130,000
VP-Credit Risk Analyst-Counterparty Stress & Regulatory JP Morgan Chase & Co New York, NY Jun 25, 2015 $125,000
Credit Risk Analyst-Credit Portfolio Risk Forecasting MUFG Union Bank, N.A. San Francisco, CA Feb 11, 2015 $120,000
SR Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Sep 12, 2015 $120,000
Senior Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Aug 21, 2015 $120,000
Credit Risk Analyst MUFG Union Bank, N.A. New York, NY Aug 25, 2016 $115,000
Senior Credit Risk Analyst Metlife Group, Inc. Morristown, NJ Jul 20, 2015 $94,000 -
$114,800
Credit Risk Analyst Vartanov Holdings LLC Islandia, NY Apr 29, 2016 $92,435
Consumer Credit Risk Jpmorgan Chase & Co. Wilmington, DE Oct 19, 2015 $92,000
Credit Risk Analyst (Operations Research) Wells Fargo Bank, N.A. Des Moines, IA Feb 09, 2016 $91,800
Senior Credit Risk Analyst Metlife Group, Inc. NJ Jan 12, 2016 $91,000
Lead Credit Policy & Risk Analyst HSBC Bank USA, N.A. Elmhurst, IL Sep 06, 2015 $90,263
Credit and Portfolio Risk Strategy Analyst Citicorp Credit Services, Inc. (USA) Wilmington, DE Jul 11, 2016 $90,000
Credit Risk Analyst MUFG Union Bank, N.A. San Francisco, CA Nov 08, 2016 $90,000
Credit Risk Analyst II Kohl's Department Stores, Inc. Menomonee Falls, WI May 31, 2016 $73,850
Credit Policy & Risk Analyst HSBC Bank USA, N.A. Elmhurst, IL Oct 01, 2015 $70,074
Senior Credit Policy and Risk Analyst HSBC Bank USA, N.A. Auburn, AL Apr 15, 2015 $70,000
Analyst, Credit Risk Barclays Services Corp. New York, NY Mar 09, 2016 $70,000
Credit Risk Analyst Ralis Services Corp Orange, CA Jan 10, 2015 $70,000
Credit Risk Analyst Morgan Stanley Bank, N.A. New York, NY Aug 12, 2015 $70,000
Analyst, Credit Risk Barclays Services Corp. New York, NY Sep 06, 2015 $70,000

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Top Skills for A Credit Risk Analyst

LoanPortfolioEnsureComplianceCreditLossesRiskManagementSASIncomeAssetCreditLimitsDebtCreditPolicySQLCreditCardAuditCreditRiskAnalysisCreditWorthinessDueDiligenceCreditReportsCreditDecisionsCustomerServiceRealEstate

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Top Credit Risk Analyst Skills

  1. Loan Portfolio
  2. Ensure Compliance
  3. Credit Losses
You can check out examples of real life uses of top skills on resumes here:
  • Reported weekly position of loan portfolio of all 8 African Subsidiaries to Executive Management.
  • Collaborated with Analysts, Bankers, and Credit Officers to ensure compliance to bank policy and correct credit approval of clients.
  • Investigated incidents and took necessary actions to prevent credit losses for both consumer and business accounts.
  • Support the front office/display commercial awareness while upholding sound risk management standards.
  • Used SAS for data analysis on credit risk policies.

Top Credit Risk Analyst Employers

Credit Risk Analyst Videos

CAREERS IN MBA FINANCE – BBM,CAT,Business Schools,Top Recruiters,Salary Package

Credit Analysis Manager, Career Video from drkit.org

NCUA: Day in the Life of a Credit Union Examiner

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