What Does A Credit Risk Analyst Do At Goldman Sachs & Co.
* Assist in the preparation of daily, weekly, and monthly risk and regulatory capital records* Analyze, monitor and report the firm’s credit exposures across lending products for various business units* Become familiar with the Firm’s Leveraged Lending guidelines and Regulatory guidance/policies surrounding Leveraged Lending* Identify, monitor and resolve credit limit exceptions* Assist in qualitative credit analysis including loan and derivative covenant review* Document process flows and for the functions performed and share this knowledge with other new analysts* Take initiative to identify opportunities for process improvements and develop methods to reduce risks, increase controls, and increase customer satisfaction* Work independently in order to research and troubleshoot problems* Accountable for the accuracy and quality of work and appropriately escalating any unresolved issues to management* Develop an understanding of the financial services industry and the Firm’s business activities, with an emphasis on Debt Capital Markets
What Does A Credit Risk Analyst Do At Bankunited
* include the following.* Other duties and special projects may be assigned.* Review assigned sample of commercial lending/leasing financial statements and compare to Moody s financial spreads for accuracy.* Review assigned sample of commercial lending/leasing risk rating matrices for accuracy.* Communicate any errors discovered to the appropriate underwriter/portfolio manager for correction and follow up for completion.* Prepare and distribute monthly and quarterly reports on quality assurance review results.* Coordinate and lead conference calls and training sessions to address issues uncovered during the quality assurance reviews.* Coordinate and lead other related training/communication as needed.* Participate in related projects as needed
What Does A Credit Risk Analyst Do At Pacific Life
* Develops models and cash flow projections for all general account and subsidiary holdings.* These projections are used in multiple areas throughout the company such as asset/liability management, cash flow testing, reserve calculations, and other regulatory requirements.* Calculates asset valuations for private placement portfolio and derivative positions. (65%)Utilizes the FactSet analytical system for calculating data for fixed income positions and cash flow projections;Creates individualized models for valuation of derivative positions;Develops new automation tools for management of data;Creates custom analysis reports using internally developed and vendor provided tools;Ensures all data calculations are accurate and reasonable;Serves as first point of contact for divisions’ investment data needs.* In collaboration with other team members, analyzes and monitors non-agency RMBS portfolio. (15%)Calculates monthly valuations for non-agency RMBS portfolio;Researches and monitors US domestic housing market;Develops home price appreciation assumptions;Analyzes individual securities and develops customized modeling assumptions Other: Can be tasked with a variety of assignments within ERM, including but not limited to: (20%)Producing sections of annual/quarterly documents for submission to state regulators;Assisting in annual asset adequacy analysis;Assisting with economic capital development;Serving as backup to other staff in the department;Special projects as assigned* Factors for Success: 5+ years related work experience within an asset management or insurance company;Bachelor’s degree in finance, math, computer science or other technical field.* MBA, MFE or progress towards a similar advanced degree preferred;Completion of or progress towards one or more industry certifications such as ASA, FSA, CFA, or FRM preferred;Experience with fixed income analytics required.* Derivatives experience a plus;Excellent working knowledge of standard applications including, but not limited to: Microsoft Excel, Word, and SharePoint.* FactSet and Business Objects experience a plus;Experience with VBA or other programming languages ideal;Demonstrated ability to work well within a team environment;Excellent verbal and written communication skills;Ability to work well with key stakeholders outside of immediate department;Excellent analytical and problem-solving skills;Demonstrated ability to multi task and complete assignments within stated timelines;Ability to work well under time constraints;Demonstrated ability to complete tasks with minimal supervision;Level dependent on experience and qualifications. #LI* JB1 * BenefitsJoin the Pacific Life team and watch your career grow! We offer a competitive compensation and benefits package that includes: * Competitive salary and bonus program * Medical, dental, and vision as part our commitment in investing in the health and wellbeing of our employees * Two retirement savings plans: 401k savings plan with company match and Company Retirement Contribution (company-paid) * Generous vacation time and holiday pay * And much more!* EEO StatementPacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V.* If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability.* To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company
What Does A Credit Risk Analyst Do At U.S. Bank
* Affordable Lending Credit Risk Analyst position will support both Credit Policy and Fair and Responsible Lending initiative within USBHM Credit Administration and Risk Assessment.* Specifically, the responsibilities of this position are to work with portfolio and for sale loan opportunities for low and moderate income and minority lending and establishing credit policies that meet lending goals without greatly impacting credit risk and performance.* Future growth in the mortgage industry is expected to come from first time home buyers and millennials.* Targeting these markets will require analysis of performance and developing lending guidelines in conjunction with Investors.* Currently USBHM credit expertise is in standard agency and government lending programs and a credit policy specialist focused on successful low to mod lending and minority lending would greatly assist in expanding program opportunities to better serve these markets.* In addition, this position can help to evaluate existing lending practices to ensure compliance with Fair Lending and monitoring of denial disparity indexes and market area penetrations consistent with CRA and HMDA. this This position would play a key role in any credit related fair lending projects as needed (i.e. Retail Counter Offer project).* By having credit performance responsibility along with Fair Lending / HMDA responsibility buildt into one position provides for an effective balance of opportunity and risk. * Your Career is Here
What Does A Credit Risk Analyst Do At New Credit America
* The Senior Credit Risk Analyst will assess loan application information to make an informed lending decision for credit worthiness and probability of repayment* They will work in a high volume lending environment and work directly with potential borrowers to obtain the information required to make a lending decision* Conducts customer interviews to gather and document information pertaining to making credit decisions* Thoroughly review all data provided to verify income, debt obligations and other items as may be required to verify credit eligibility* Handle member written complaints, make recommendations, and take appropriate action as may be required* Makes decision to approve, decline or forward the loan request to a higher level for decision along with recommendation.* Communicate loan decision to the origination source
