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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

  • $85,447

    Average Salary

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

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Credit Risk Analyst Jobs

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Credit Risk Analyst Career Paths

Credit Risk Analyst
Compliance Analyst Realtor Accounts Receivable Specialist
Accounts Receivable/Credit Manager
6 Yearsyrs
Compliance Analyst Senior Finance Analyst Treasury Manager
Assistant Treasurer
5 Yearsyrs
Senior Risk Analyst Risk Manager
Chief Risk Officer
10 Yearsyrs
Risk Analyst Business Analyst Assistant Vice President
Commercial Lending Vice President
10 Yearsyrs
Business Analyst Assistant Vice President
Compliance Vice President
12 Yearsyrs
Risk Manager Portfolio Manager Collections Manager
Credit And Collection Manager
7 Yearsyrs
Senior Credit Analyst Credit Manager
Credit Director
11 Yearsyrs
Senior Underwriter Auditor Credit Analyst
Credit Manager
5 Yearsyrs
Senior Analyst Risk Manager
Credit Risk Management Director
10 Yearsyrs
Business Analyst Senior Finance Analyst
Finance Project Manager
8 Yearsyrs
Senior Underwriter Senior Team Lead Underwriter
Lending Services Manager
7 Yearsyrs
Assistant Vice President Finance Consultant Senior Finance Analyst
Manager, Finance Analysis
8 Yearsyrs
Credit Officer Underwriter Senior Credit Analyst
Regional Credit Manager
6 Yearsyrs
Senior Credit Analyst Credit Supervisor Credit Manager
Senior Credit Manager
5 Yearsyrs
Assistant Vice President Program Manager Portfolio Manager
Senior Portfolio Manager
10 Yearsyrs
Risk Manager Human Resources Manager Assistant Vice President
Senior Relationship Manager
10 Yearsyrs
Senior Finance Analyst Operations Manager Underwriter
Underwriting Manager
8 Yearsyrs
Senior Finance Analyst Controller Assistant Vice President
Vice President & Sales Manager
9 Yearsyrs
Risk Analyst Assistant Vice President
Vice President And Portfolio Manager
10 Yearsyrs
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Credit Risk Analyst Demographics

Gender

Male

52.2%

Female

40.9%

Unknown

6.8%
Ethnicity

White

49.2%

Asian

21.2%

Hispanic or Latino

14.0%

Black or African American

10.5%

Unknown

5.1%
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Languages Spoken

Spanish

31.6%

French

12.8%

Mandarin

11.3%

Chinese

10.5%

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

12.8%

University of Phoenix

8.1%

University of Delaware

7.6%

George Washington University

6.4%

University of Connecticut

6.4%

DePaul University

5.8%

Fordham University

5.2%

Hofstra University

4.7%

Columbia University

4.1%

Northeastern University

4.1%

University of Cincinnati

3.5%

Temple University

3.5%

Texas A&M University

3.5%

University of Utah

3.5%

Cornell University

3.5%

University of Denver

3.5%

Boston University

3.5%

Georgia Institute of Technology -

3.5%

Liberty University

3.5%

Strayer University

3.5%
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Majors

Finance

33.8%

Business

21.9%

Economics

9.1%

Accounting

7.0%

Statistics

4.5%

Management

4.1%

Management Science

2.2%

Marketing

2.1%

Criminal Justice

1.7%

Mathematics

1.7%

Real Estate

1.6%

Applied Mathematics

1.5%

Political Science

1.5%

Computer Information Systems

1.3%

Education

1.1%

Communication

1.1%

International Business

1.0%

Business Economics

0.9%

English

0.9%

Law

0.9%
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Degrees

Masters

41.9%

Bachelors

39.5%

Other

10.5%

Associate

3.0%

Certificate

2.3%

Doctorate

2.3%

Diploma

0.3%

License

0.2%
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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
Senior Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Aug 21, 2015 $120,000
SR Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Sep 12, 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 Risk Analyst MUFG Union Bank, N.A. San Francisco, CA Aug 24, 2015 $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

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  1. Loan Applications
  2. Compliance
  3. Risk Management
You can check out examples of real life uses of top skills on resumes here:
  • Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
  • Participated in client meetings and delivered key presentations, while ensuring corporate procedures followed and consistent with regulatory compliance.
  • Coordinated with various departments to review daily risk-control process and proposed some recommendations on hedging strategy and Enterprise Risk Management framework.
  • Collected data from multiple bank databases for analyses to support the forecasting process for reserves for credit losses.
  • Performed monthly/quarterly operational functions supporting the SAS ETL processing to generate client profitability and performance measurement results.

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