Credit Risk Analyst jobs at M&T Bank - 54 jobs

Perform advanced credit risk data analysis on the small business portfolio to identify areas of risk; evaluate the risk of proposed product, process, policy, and model changes; and provide ongoing monitoring of credit metrics. Provide oversight of the quarterly ACL process and capital adequacy planning. Ensure compliance with internal governance processes and external regulatory requirements; provide expertise and guidance to first-line partners. Provide oversight and expertise in the model creation, testing and validation. Develop and integrate model strategy to support business initiatives and regulatory compliance. **Primary Responsibilities:** + Lead Quantitative Analysts in establishing, monitoring, evaluating and interpreting data with a risk management focus with an understanding of business strategy. + Mentor and may supervise the work of junior team members and assist in the development of their analytical acumen, loss forecasting, and presentation skills. + Employ working knowledge of Credit Risk databases to provide data and analytical support to Senior Management. + Perform data manipulation and analysis using SQL, SAS and Microsoft Excel and present results and recommendations to Credit Risk Management. + Track portfolio performance and risk strategy results. Incorporate observations and data to evaluate adherence to risk appetite. + Provide guidance and direction to lower level analysts regarding all aspects of data analysis and the construction of predictive statistical models. + Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. + Promote an environment that supports belonging and reflects the M&T Bank brand. + Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. + Complete other related duties as assigned. **Education and Experience Required:** Bachelor's degree, OR in lieu of degree, A combined minimum of 11 years higher education and/or work experience to include a minimum of 7 years relevant experience. -OR- Master's degree in Mathematics, Statistics, Quantitative Analysis or another technical discipline, with minimum of 5 years relevant experience or in lieu of degree, a combined minimum of 11 years higher education and/or work experience to include a minimum of 5 years relevant experience. Minimum of 7 years relevant experience Banking or Financial Services experience Experience with SAS, SAS Enterprise Miner and other Statistical Software Packages. Advanced Knowledge of SQL and Microsoft Office. Ability to utilize analytics in a collaborative manner across business functions and product lines to derive optimum solutions. Demonstrated ability to communicate complex concepts. Demonstrated ability to manipulate and analyze data across large databases. **Education and Experience Preferred:** Credit Analysis experience. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $123,600.00 - $206,000.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. **Location** Buffalo, New York, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment. In lieu of this requirement, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I), or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months. Is an enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client. Collaborates effectively to get things done, building and nurturing strong relationships. Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives. Is confident in identifying solutions for helping new and existing clients based on their needs. Has strong written and verbal communications skills. Is able to communicate effectively and confidently, and is comfortable engaging all clients (in-person and by phone). Has the ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances. Applies strong critical thinking and problem-solving skills to meet clients' needs. Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously. Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws). Can be flexible to work weekends and/or extended hours as needed. Desired Qualifications: An Associate's Degree or Bachelor's Degree in business, finance, or a related field. Experience working in a financial center where goals were met or exceeded. Retail and/or sales experience in a salary plus incentive environment. Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded. Experience with financial information, spreadsheets and financial skills. Knowledge of banking products and services. Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: * High School Diploma / GED / Secondary School or equivalent The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position: FDIC; Loan Originators Shift: 1st shift (United States of America) Hours Per Week: 40

Flushing, New York **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (************************************************************************************************************************************ **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: - Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities - Assists, educates, and trains clients on conducting simple transactions through self-service technologies - Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy - Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping - Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: - Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment - In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months - Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client - Collaborates effectively to get things done, building and nurturing strong relationships - Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives - Confident in identifying solutions for helping new and existing clients based on their needs - Strong written and verbal communications skills - Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) - Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances - Applies strong critical thinking and problem-solving skills to meet clients' needs - Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously - Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) - Can be flexible to work weekends and/or extended hours as needed Desired Qualifications: - Associate's Degree or Bachelor's Degree in business, finance or a related field - Experience working in a financial center where goals were met or exceeded - Retail and/or sales experience in a salary plus incentive environment - Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded - Experience with financial information, spreadsheets and financial skill - Knowledge of banking products and services - Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: - Active Listening - Business Acumen - Customer and Client Focus - Oral Communications - Problem Solving - Account Management - Client Experience Branding - Client Management - Client Solutions Advisory - Relationship Building - Business Development - Pipeline Management - Prospecting - Referral Identification - Referral Management **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! Job Description: This job is responsible for serving as the first point of contact for financial center clients, helping to uncover personal banking needs of both individual and small business clients, offering appropriate solutions, and connecting clients to specialists. Key responsibilities include deepening client relationships through platform services, supporting clients with self-service or transactional activities, and providing exceptional client care. Job expectations include proactively connecting with clients through outbound calls and conducting consistent follow-up routines. Responsibilities: Partners with teams to provide financial center clients with both consumer and small business solutions, services, and strategies when uncovering personal banking needs and helping clients navigate their unique life priorities Assists, educates, and trains clients on conducting simple transactions through self-service technologies Leverages available resources, technologies, and processes to optimize the client experience and deliver operational excellence and accuracy Adheres to established processes, laws, and guidelines in performing day-to-day activities, such as opening accounts, account maintenance, and Digital Assisted Shopping Manages client interactions by taking the best course of action for the bank and its clients and abiding by all regulatory requirements Required Qualifications: Has a minimum of one year demonstrated sales experience in a relationship-oriented and client-centric environment In lieu of one year of sales experience, has previously held the role of Relationship Manager (RM), Advisor Development Program (ADP) RM, Credit Solutions Advisor (CSA I) or Relationship Manager Business Owner Specialist (RMBOS) at Bank of America for a minimum of six months Enthusiastic, highly motivated self-starter with a strong work ethic and intense focus on results, acting in the best interest of the client Collaborates effectively to get things done, building and nurturing strong relationships Displays passion, commitment and drive to deliver an experience that improves our clients' financial lives Confident in identifying solutions for helping new and existing clients based on their needs Strong written and verbal communications skills Can communicate effectively and confidently and is comfortable engaging all clients (in-person and by phone) Ability to learn and adapt to new information, technology platforms, handle ambiguity and adapt to changing circumstances Applies strong critical thinking and problem-solving skills to meet clients' needs Demonstrates effective time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously Is a commissioned notary or can successfully obtain a notary commission in the state you work within a few months of start date in role (exact timeframe varies by location due to differing state laws) Can be flexible to work weekends and/or extended hours as needed Desired Qualifications: Associate's Degree or Bachelor's Degree in business, finance or a related field Experience working in a financial center where goals were met or exceeded Retail and/or sales experience in a salary plus incentive environment Experience working in an environment with individual and/or team goals where goals were routinely met or exceeded Experience with financial information, spreadsheets and financial skill Knowledge of banking products and services Strong computer skills including Microsoft applications and previous experience utilizing laptop technology Skills: Active Listening Business Acumen Customer and Client Focus Oral Communications Problem Solving Account Management Client Experience Branding Client Management Client Solutions Advisory Relationship Building Business Development Pipeline Management Prospecting Referral Identification Referral Management Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent Shift: 1st shift (United States of America) Hours Per Week: 40

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Credit Risk Analyst on the Technology, Media, and Telecom (TMT) Credit Risk team, you will collaborate closely with business partners across the bank, including Global Corporate Banking, Sales and Trading, Debt Capital Markets, Treasury Services, and Trade Finance. You will conduct comprehensive credit analysis of Non-Investment Grade clients and work with various front office teams to structure a diverse range of credit relationships. Job Responsibilities Assume coverage of a portfolio of clients within the TMT space, including grading and reviewing credit risk exposures. Track financial performance updates and events impacting the assigned portfolio. Monitor risk and exposure metrics across counterparties and the portfolio, contributing to industry analyses. Participate in due diligence processes for onboarding new clients and reviewing existing ones. Produce concise and insightful credit memos, articulating recommendations for credit decisions. Support analysis and approval processes for structured derivatives transactions and lending requests. Develop knowledge of legal documentation for markets and banking products. Participate in team and department-level projects to improve processes and drive efficiencies. Required Qualifications, Capabilities, and Skills Ability to navigate and interpret financial statements of financial institutions Broad understanding of macroeconomic factors on technology, media, and telecom industries Basic knowledge of derivatives and lending products Ability to establish credibility and trust with internal business partners and credit officers Good communication skills, both verbal and written Self-starting and capable of multitasking, with adaptability to change Expertise with MS Office products, including Excel, PowerPoint, and Word Preferred Qualifications, Capabilities, and Skills Previous experience in a Credit Risk department Familiarity with the business models of technology, media, and telecom industries

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. **Job Responsibilities** + Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward + Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures + Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity. Assess and process risk rating changes in a timely manner + Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks + Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership + Serve as an effective challenge to the banking team in your role as second line of defense + Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure + Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions + Convey a thorough understanding of credit policy and procedures + Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises + Demonstrate excellent communication skills **Required Qualifications, Capabilities, and Skills** + BA/BS/BBA degree is required + Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures + Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation + Experience working with portfolio companies of private equity firms + Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills + Demonstrated ability to problem-solve and think both critically and analytically + Proven ability to collaborate and build strong partnerships + Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines + Intellectual curiosity with a proven ability to learn quickly. Excellent verbal, interpersonal, and written communication skills + Demonstrated ability to take initiative, self-direct, and work well under pressure **Required Qualifications, Capabilities, and Skills** + Experience lending to the professional services sector is a plus JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** New York,NY $133,000.00 - $240,000.00 / year

JobID: 210667521 JobSchedule: Full time JobShift: Base Pay/Salary: New York,NY $133,000.00-$240,000.00; San Francisco,CA $133,000.00-$240,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President within the Asset and Wealth Management Credit Risk team, you will play a significant role in managing risk and supporting the US Regional and Financial Sponsors portfolio. Your responsibilities will include leading and managing the overall risk management process for select markets with an initial focus on Financial and Venture Capital Sponsor clients. This primarily consists of analyzing credit risk and monitoring portfolio performance on an ongoing basis. The position offers a challenging and rewarding opportunity on a dynamic team where you can leverage your expertise to make significant impact. Job Responsibilities * Management of the designated regional credit risk portfolio within acceptable quality and loss criteria * Approve credit risk exposure relating to the client base within authorized limits. * Responsible for the accurate, timely and consistent assignment of risk ratings for all clients and collateral. * Guide and advise Credit Officers with respect to credit analysis and the proper application of Private Banking credit underwriting policies. * Partner with the regional or product lending teams to ensure that new and existing credit exposure is structured, documented and approved in accordance with JPMorgan Credit Policy. * Monitor performance and compliance metrics within the designated portfolio and work with integrated team to understand issues, approve resolution plans and escalate potential problems immediately. * Oversee and drive ad hoc risk-related projects and workflows. * Drive efficiency with existing technical infrastructure through automation while embracing innovative opportunities offered by new technologies. * Collaborate and communicate with external and internal stakeholders. * Monitor the Financial and Venture Capital Sponsors industry and overall economic/business environment to identify and elevate potential material issues, risks, and trends in the portfolio to Senior Management. Required qualifications, capabilities, and skills * Bachelor's degree required. * Advanced knowledge in private equity, including lending to funds and their management companies, and individuals (sponsor partners), with the ability to conduct portfolio analysis * Minimum 5 years in a similar banking or credit role, with experience in overseeing a large credit portfolio and structuring complex credit transactions. * High level of analytical skills, with attention to detail * Familiarity and expertise with legal documentation, particularly with respect to fund finance * Ability to understand and distill market dynamics and economic drivers * Outstanding professional reputation and integrity. * Strong leadership, management and business partnership skills, with the ability to train others. * Strong presentation, business writing, and communication skills. Preferred qualifications, capabilities, and skills * Preferred knowledge of the high-net-worth industry and the commensurate capital and financial markets

JobID: 210693930 JobSchedule: Full time JobShift: Day Base Pay/Salary: Uniondale,NY $133,000.00-$240,000.00; New York,NY $133,000.00-$240,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: * Oversee all aspects of credit analysis on commercial real estate/multifamily loans. * Evaluate and manage risks in complex transactions. * Serve as a back-up mentor for more junior Credit Analysts and Credit Officers * Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. * Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. * Apply data analysis techniques to interpret results and provide insights and recommendations to management. * Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. * Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: * Minimum 7 years of experience in commercial real estate lending, credit analysis, or loan workouts. * Thorough understanding of multifamily real estate property valuations and cash flow analysis. * Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. * Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. * Excellent verbal/written communication and problem-solving skills. * Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. * Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: * Bachelor's degree in accounting, finance, economics, or real estate is preferred. * Advanced degree in a related field. * Experience with proprietary credit risk management tools. * Familiarity with regional markets and municipal regulations.

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis and financial modeling skills to perform due diligence in order to structure and recommend new transactions while maintaining an appropriate balance between risk and reward Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures Independently manage the assigned credit portfolio on an ongoing basis while ensuring data integrity. Assess and process risk rating changes in a timely manner Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks Clearly and concisely communicate and defend credit views to internal stakeholders and senior leadership Serve as an effective challenge to the banking team in your role as second line of defense Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions Convey a thorough understanding of credit policy and procedures Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises Demonstrate excellent communication skills Required Qualifications, Capabilities, and Skills BA/BS/BBA degree is required Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation Experience working with portfolio companies of private equity firms Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills Demonstrated ability to problem-solve and think both critically and analytically Proven ability to collaborate and build strong partnerships Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines Intellectual curiosity with a proven ability to learn quickly. Excellent verbal, interpersonal, and written communication skills Demonstrated ability to take initiative, self-direct, and work well under pressure Required Qualifications, Capabilities, and Skills Experience lending to the professional services sector is a plus

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. **Job Responsibilities:** + Oversee all aspects of credit analysis on commercial real estate/multifamily loans. + Evaluate and manage risks in complex transactions. + Serve as a back-up mentor for more junior Credit Analysts and Credit Officers + Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. + Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. + Apply data analysis techniques to interpret results and provide insights and recommendations to management. + Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. + Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. **Required Qualifications, Capabilities, and Skills:** + Minimum 7 years of experience in commercial real estate lending, credit analysis, or loan workouts. + Thorough understanding of multifamily real estate property valuations and cash flow analysis. + Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. + Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. + Excellent verbal/written communication and problem-solving skills. + Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. + Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. **Preferred Qualifications, Capabilities, and Skills:** + Bachelor's degree in accounting, finance, economics, or real estate is preferred. + Advanced degree in a related field. + Experience with proprietary credit risk management tools. + Familiarity with regional markets and municipal regulations. JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans **Base Pay/Salary** Uniondale,NY $133,000.00 - $240,000.00 / year; New York,NY $133,000.00 - $240,000.00 / year

JobID: 210693930 JobSchedule: Full time JobShift: Day Base Pay/Salary: Uniondale,NY $133,000.00-$240,000.00; New York,NY $133,000.00-$240,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: * Oversee all aspects of credit analysis on commercial real estate/multifamily loans. * Evaluate and manage risks in complex transactions. * Serve as a back-up mentor for more junior Credit Analysts and Credit Officers * Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. * Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. * Apply data analysis techniques to interpret results and provide insights and recommendations to management. * Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. * Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: * Minimum 7 years of experience in commercial real estate lending, credit analysis, or loan workouts. * Thorough understanding of multifamily real estate property valuations and cash flow analysis. * Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. * Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. * Excellent verbal/written communication and problem-solving skills. * Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. * Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: * Bachelor's degree in accounting, finance, economics, or real estate is preferred. * Advanced degree in a related field. * Experience with proprietary credit risk management tools. * Familiarity with regional markets and municipal regulations.

Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture. The Fixed Income Division is comprised of Interest Rate and Currency Products, Credit Products and Distribution. Professionals in the Division assess and actively manage risk, trade securities, and structure as well as execute innovative transactions in the fast-paced and constantly changing global markets. The Commodities Division is a market leader in energy, metals, and agricultural product trading worldwide whose professional's trade in both physical and derivative commodity risk. Background Morgan Stanley's derivatives trading businesses operate in fast-moving global markets across asset classes. The First-Line Credit team partners directly with investment bankers, corporate derivatives marketers, traders, and structurers to evaluate counterparty and transactional credit risks, ensuring both strong business enablement and disciplined risk management. We are seeking a mid-level credit professional to support evaluation of new derivative transactions, develop balanced credit recommendations, and articulate views clearly to senior stakeholders. Primary Responsibilities: Transaction Evaluation & Credit Underwriting Evaluate new counterparty risk associated with derivative transactions across corporate counterparties, PE funds, and securitization structures. Develop clear, balanced, and well-supported written credit analyses assessing counterparty fundamentals, transaction structure, collateral/CSAs, exposure dynamics, stress outcomes, and key risks. Present and defend transaction recommendations to senior leaders within the business and Firm Risk Management. Participate in transaction discussions with trading, structuring, capital markets origination and sales to ensure a shared view of credit appetite, structural mitigants, and commercial considerations. Stakeholder Engagement Act as a first-line partner to the trading desk-ensuring efficient information flow, early identification of credit issues, and collaborative problem-solving. Build strong working relationships with second-line Credit Risk Management, Legal, Trading, and Operations to support smooth execution of transactions. Support senior team members in due diligence discussions with counterparties for new relationships or complex structures. Ongoing Portfolio Monitoring Maintain active oversight of assigned counterparty portfolio, including review of financial performance, industry trends, limit usage, and exposure changes. Identify emerging risks proactively and escalate as appropriate. Assist in preparing periodic portfolio reports summarizing ratings changes, excesses, and market impacts for senior management. Documentation & Reporting Prepare concise yet thorough credit memoranda, exposure summaries, and transaction approvals for internal committees. Contribute to ad hoc presentations for business leadership, Firm committees, and regulatory inquiries. Review trade requests for exposure profiles, tenor, documentation considerations (ISDA/CSA), and structural elements. Required Experience & Qualifications Bachelor's Degree required. 4-8 years of relevant experience in one or more of the following: Credit rating agency (corporates, financial institutions, or structured products) Leverage / Acquisition Finance team Secured lending team Bank credit risk management team Structuring or credit-intensive role within a bank's trading or capital markets division Strong analytical ability and comfort working with complex information under time pressure. Demonstrated ability to develop coherent credit views and communicate them clearly-both in writing and in discussions with senior stakeholders. Familiarity with traded products, ISDAs/CSAs, and exposure concepts preferred. Ability to work independently in a fast-paced trading-floor environment while managing multiple deliverables. Strong interpersonal skills and a collaborative mindset to partner effectively with front-office teams. Preferred Attributes Experience with derivatives exposure metrics, stress testing concepts, and transaction structuring. Experience presenting credit recommendations to committees or senior risk stakeholders. Comfort interacting with clients, counterparties, and internal teams across the Firm. Interest in market, sector, and counterparty-specific developments relevant to traded credit exposures. WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be between between $150,000 and $200,000 per year commencement of employment for Associate, and between $160,000 and $250,000 per year commencement of employment for Vice President. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Morgan Stanley Investment Management (“MSIM”) is a global investment manager with over 40 years of history delivering innovative investment solutions across public and private markets worldwide. We have $1.5Tn of AUM with professionals located across 24 countries, with a proven long term track record of success. Our investment teams bring significant expertise in structuring complex financial transactions and commitment to partnering with world class management teams. Morgan Stanley's extensive business relationships and global network of resources afford our private equity and credit teams as well as our portfolio companies' unparalleled access to leading corporations, executive talent, as well as competitive deal sourcing advantages. Morgan Stanley Private Credit (“MSPC”) is the corporate credit-investing business within the Private Credit & Equity segment of Morgan Stanley Investment Management. MSPC manages investments on behalf of third-party institutional and high net worth investors across a number of funds and strategies. MSPC has pockets of capital focused on investing in privately negotiated senior secured debt, junior debt and mezzanine debt investments to middle market corporate issuers as well as select secondary market credit investment opportunities. Morgan Stanley Direct Lending (“MSDL”) is a rapidly growing and the largest segment of Morgan Stanley Private Credit. The team closed its first transaction in the first quarter of 2020 has since grown to ~$20 billion of AUM and manages over 225 portfolio accounts. Almost all of the team's investing activities are focused on upper middle market private equity-controlled companies seeking club-executed unitranche financing. MSDL is looking for an Analyst or Associate to support the investment efforts of the credit investing platform. Responsibilities: Work with senior and junior members of MSDL to conduct due diligence on new opportunities Perform in-depth sector and company research and detailed financial modeling Prepare credit investment memoranda Assist with the negotiation of term sheets, commitment letters and credit documentation Monitor portfolio company results as well assist with add-on financings and amendments Bachelor's Degree Strong academic record and job performance Minimum of 2 years of relevant work experience, mix of Investment Banking and Private Credit experience preferred Excellent PowerPoint, Word and Excel skills, including ability to independently create flowing, 3-statement financial projection models Strong written and verbal presentation skills Ability to work effectively on multiple projects in a fast-paced environment WHAT YOU CAN EXPECT FROM MORGAN STANLEY: We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren't just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you'll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There's also ample opportunity to move about the business for those who show passion and grit in their work. To learn more about our offices across the globe, please copy and paste ***************************************************** into your browser. Expected base pay rates for the role will be $110,000 - $225,000 per year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs Illinois- Salary range for the position: $110,000 - $225,000 per year. The successful candidate may be eligible for an annual discretionary incentive compensation award. The successful candidate may be eligible to participate in the relevant business unit's incentive compensation plan, which also may include a discretionary bonus component. Morgan Stanley offers a full spectrum of benefits, including Medical, Prescription Drug, Dental, Vision, Health Savings Account, Dependent Day Care Savings Account, Life Insurance, Disability and Other Insurance Plans, Paid Time Off (including Sick Leave consistent with state and local law, Parental Leave and 20 Vacation Days annually), 10 Paid Holidays, 401(k), and Short/Long Term Disability, in addition to other special perks reserved for our employees. Please visit mybenefits.morganstanley.com to learn more about our benefit offerings Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As a Lead Credit Officer within the Credit Risk team, you will play a critical role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. Additionally, you will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship. Job Responsibilities: Oversee all aspects of credit analysis on commercial real estate/multifamily loans. Evaluate and manage risks in complex transactions. Serve as a back-up mentor for more junior Credit Analysts and Credit Officers Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal. Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements. Apply data analysis techniques to interpret results and provide insights and recommendations to management. Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools. Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge. Required Qualifications, Capabilities, and Skills: Minimum 7 years of experience in commercial real estate lending, credit analysis, or loan workouts. Thorough understanding of multifamily real estate property valuations and cash flow analysis. Excellent financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements. Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail. Excellent verbal/written communication and problem-solving skills. Ability to prioritize, plan, and manage people and processes to complete credit analysis and other assignments as needed. Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems. Preferred Qualifications, Capabilities, and Skills: Bachelor's degree in accounting, finance, economics, or real estate is preferred. Advanced degree in a related field. Experience with proprietary credit risk management tools. Familiarity with regional markets and municipal regulations.

We believe Bank of America can do more for our clients than any other financial services firm. We understand the challenges our clients face around the world, and we use the full resources of our company to help them achieve their goals. Our solutions span the complete range of advisory, capital raising, banking, treasury and liquidity, sales and trading, and research capabilities. Our Municipal Banking & Markets division offers Commercial and Investment Banking services, Sales & Trading and Treasury Management services to U.S. Municipal clients. Public Sector Banking, within Municipal Banking & Markets, is responsible for assisting clients with raising capital by offering privately placed credit facilities to be held on the Bank's balance sheet. Job Description & Program Overview: Public Sector Banking provides capital in the form of loans, letters of credit, and other credit products, and other traditional banking products and services. Our client base includes State and Municipal entities (cities, counties, school districts, transportation authorities, etc.) As an active team member in Public Sector Banking, Analysts assist Underwriters and Credit Product Officers in credit origination for our clients as well as with portfolio monitoring activities. Your responsibilities as an Analyst may include: * Participating in the underwriting of different credit transactions * Supporting various financial analyses, including loan structuring * Engaging in comprehensive and in-depth client and credit research * Preparing presentations and other materials for clients * Working on various one-time projects * Interacting with deal team members and client Qualifications: * Candidates are required to be pursuing a bachelor's degree or a bachelor's direct to master's degree from an accredited college or university with a graduation timeframe between November 2027 and August 2028 with demonstrated academic achievement. * 3.2 minimum GPA preferred. * Eligible candidates must demonstrate a strong interest in finance and the public sector. * You should possess a combination of academic aptitude, quantitative skills, strategic and creative thinking and distinguished written and oral communications skills. * Ability to manage several projects at once and work effectively as an individual and as part of a team. * Some common characteristics we look for include assertiveness, attention to detail, exceptional academic achievement, initiative, team focus, self-confidence, strategic and creative thinking capabilities, strong work ethic and communication skills, strong quantitative skills. * A working knowledge of Microsoft Office (Excel, Word, and PowerPoint) are essential. * A background in Finance or Accounting is preferred. Location: The internship will be located in our New York City location. However, full time positions are targeted in the following primary offices: Charlotte, NC; Chicago, IL; New York, NY; San Francisco, CA, Los Angeles, CA Bank of America does not complete third party forms from colleges, universities, or other parties. CA Disclosure Language: The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position: FDIC, FINRA

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 Credit Analyst is expected to have a strong understanding of credit risk, of Cit'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 Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties. 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 ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ 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: Jan 14, 2026 ------------------------------------------------------ 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 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 Credit Analyst is expected to have a strong understanding of credit risk, of Cit'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 Diverse Financials portfolio inclusive of Non-Bank Financial Institutions (NBFI), FinTechs and Financial Market Infrastructure (FMI) counterparties. **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 ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit Risk ------------------------------------------------------ **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:** Jan 14, 2026 ------------------------------------------------------ _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.

CRMS - Credit Risk Administration The Credit Risk Management Services (CRMS) team offers entry-level opportunities for professionals to apply analytical thinking, attention to detail, and an understanding of credit risk processes. This role supports the review and verification of credit documentation and data while ensuring adherence to industry standards and departmental procedures. Team members collaborate closely with internal partners to achieve organizational objectives and are expected to demonstrate strong communication, judgment, and diplomacy when handling sensitive or complex information. Key Responsibilities: Apply departmental policies and procedures with sound judgment to complete assigned tasks accurately. Review approved credit packages to create and maintain credit records. Troubleshoot and resolve issues related to data discrepancies and inquiries. Manage, escalate, and resolve requests and issues related to departmental operations in a timely manner. Participate in projects and user testing related to system or process enhancements. Identify workflow gaps and contribute suggestions to improve efficiency. Understand and support how CRMS functions integrate with other departments. Assist with training and provide process guidance to backup or support specialists. Qualifications: 1-2 years of relevant experience in reviewing credit documentation, knowledge of policies, guidelines, and procedures surrounding extensions of credit. Knowledge of Institutional Lending and Credit products, experience in risk data management Strong attention to detail and accuracy. Proven ability to multitask and manage time effectively in a fast-paced environment. Strong organizational, problem-solving, and research skills. Ability to work independently and collaboratively as part of a team. Consistently demonstrates clear and concise written and verbal communication Familiarity with financial and banking products. Bachelor's or University degree ------------------------------------------------------ Job Family Group: Operations - Services ------------------------------------------------------ Job Family: Credit Maintenance ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Primary Location: Getzville New York United States ------------------------------------------------------ Primary Location Full Time Salary Range: $55,440.00 - $77,360.00 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 Please see the requirements listed above. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Dec 25, 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.

The Credit Risk Management Services (CRMS) team offers entry-level opportunities for professionals to apply analytical thinking, attention to detail, and an understanding of credit risk processes. This role supports the review and verification of credit documentation and data while ensuring adherence to industry standards and departmental procedures. Team members collaborate closely with internal partners to achieve organizational objectives and are expected to demonstrate strong communication, judgment, and diplomacy when handling sensitive or complex information. **Key Responsibilities:** + Apply departmental policies and procedures with sound judgment to complete assigned tasks accurately. + Review approved credit packages to create and maintain credit records. + Troubleshoot and resolve issues related to data discrepancies and inquiries. + Manage, escalate, and resolve requests and issues related to departmental operations in a timely manner. + Participate in projects and user testing related to system or process enhancements. + Identify workflow gaps and contribute suggestions to improve efficiency. + Understand and support how CRMS functions integrate with other departments. + Assist with training and provide process guidance to backup or support specialists. **Qualifications:** + 1-2 years of relevant experience. + Strong attention to detail and accuracy. ------------------------------------------------------ **Job Family Group:** Operations - Services ------------------------------------------------------ **Job Family:** Credit Maintenance ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Getzville New York United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $55,440.00 - $77,360.00 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** Please see the requirements listed above. ------------------------------------------------------ **Other Relevant Skills** For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ **Anticipated Posting Close Date:** Dec 16, 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.