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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

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Credit Risk Analyst Education

Credit Risk Analyst

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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 Executive Commonwealth Bank of Australia New York Branch New York, NY Mar 01, 2015 $140,000
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
Counterparty Credit Risk Associate Jpmorgan Chase & Co. New York, NY Sep 28, 2015 $125,000
Senior Credit Risk Analytics Analyst HSBC Bank USA, N.A. New York, NY Aug 21, 2015 $120,000
Credit Risk Analyst-Credit Portfolio Risk Forecasting MUFG Union Bank, N.A. San Francisco, CA Feb 11, 2015 $120,000
Credit Risk Analyst MUFG Union Bank, N.A. San Francisco, CA Dec 08, 2016 $98,776
Credit Risk Analyst MUFG Union Bank, N.A. San Francisco, CA Jun 17, 2016 $98,775
Credit Risk Analyst MUFG Union Bank, N.A. Irvine, CA Aug 26, 2016 $97,000
Assistant Vice President, Counterparty Credit Risk Analyst Bank of America N.A. New York, NY Apr 01, 2016 $95,000 -
$115,000
Credit Risk Analyst Citibank, N.A. New York, NY Sep 30, 2016 $95,000
Credit Risk Analyst Societe Generale New York, NY Aug 09, 2016 $95,000
Credit Risk Analyst Citicorp Credit Services, Inc. (USA) Wilmington, DE Aug 29, 2016 $95,000
Senior Credit Policy and Risk Analyst HSBC Bank USA, N.A. Mettawa, IL Oct 20, 2015 $77,210
Senior Credit Policy and Risk Analyst HSBC Bank USA, N.A. Mettawa, IL Apr 30, 2015 $77,210
Senior Credit Risk Analyst Ads Alliance Data Systems, Inc. Columbus, OH Aug 27, 2016 $75,000
Consumer Credit Risk Senior Analyst Jpmorgan Chase & Co. Wilmington, DE Dec 12, 2016 $75,000
Consumer Credit Risk Senior Analyst Jpmorgan Chase & Co. Wilmington, DE Sep 10, 2015 $75,000
SR. Credit Risk Analyst Jpmorgan Chase & Co. Wilmington, DE Jul 30, 2015 $75,000
SR. Credit Risk Analyst JP Morgan Chase & Co Wilmington, DE Jul 29, 2016 $75,000
Credit Risk Analyst II Kohl's Department Stores, Inc. Menomonee Falls, WI May 31, 2016 $73,850

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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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