Senior Risk Analyst

U.S. Bank; Ireland; On-site; EUR 60,000 - 80,000; Full time

Benefits offered by this job

Performance-based incentives

Inclusive equitable benefits

Continuous development opportunities

Employee recognition programs

Job summary

U.S. Bank is looking for a Senior Credit Analyst in Ireland to join their Credit Risk Management team. This role involves strategic credit governance, participating in credit analysis and providing risk-aligned management information to foster informed credit decision-making.

The ideal candidate will have over 4 years of credit risk experience, a Bachelor's degree, and strong analytical, communication, and presentation skills. The position offers a hybrid work model with in-office expectations of 3 or more days a week.

Qualifications

• Over 4 years of experience in credit risk within a financial institution.
• Sound understanding of credit risk methodologies and regulatory requirements.

Responsibilities

• Conduct detailed credit analysis and financial due diligence to support credit decisions.
• Manage credit risk governance activities and coordinate Credit Committee meetings.
• Support the bank's credit portfolio strategy aligned with macroeconomic trends.
• Collaborate across departments to ensure strong governance and risk frameworks.

Skills

Credit risk analysis

Financial analysis

Analytical skills

Communication skills

Presentation skills

Education

Bachelor's degree in finance, Economics, Business, or related field

Job description

Job Description

The Senior Credit Analyst is a member of the 2nd Line of Defence Credit Risk Management function, reporting to the Head of Credit Portfolio Risk. The role centres on strategic duties, combining credit governance expertise and support to credit‑risk decisioning processes as well as focalised MI & Reporting responsibilities.

This role supports integration across the Credit Portfolio Risk workstreams through the oversight of credit governance structures, support of credit analysis and financial due diligence processes, and the provision of consistent, high‑quality, risk‑aligned management information to support informed decision‑making.

Key Responsibilities

Credit Analysis and Financial Due Diligence Support credit approvers through detailed credit analysis, financial due diligence, and review of credit proposals, helping to inform sound credit decisions in line with established risk appetite, underwriting standards, concentration limits, and regulatory requirements.

Contribute to strong decision‑making practices by participating in calibration sessions and monitoring approval trends under the guidance of senior management.

Credit Risk Governance Support the effective operation of USBE Credit Risk governance bodies through end‑to‑end coordination of the Credit Committee and related working groups. The role holder will manage the administrative and governance activities required for these forums, including compiling and quality‑checking materials from multiple stakeholders, coordinating meeting agendas and schedules, maintaining action logs and records, and ensuring papers are complete, accurate, and circulated on a timely basis. This role will also support the Head of Credit Portfolio Risk to monitor adherence to the terms of reference and governance requirements for each forum, escalating issues where needed, and helping to ensure the overall efficiency, consistency, and proper functioning of these bodies.

Strategy & Portfolio Steering Support the development and refinement of the bank's credit portfolio strategy and risk appetite, ensuring alignment with evolving macroeconomic, regulatory, sectoral, and geopolitical trends. This position serves as a subject matter expert, facilitating communication and alignment between strategic MI, governance structures, and the credit decision‑making process.

Cross‑Functional Collaboration Collaborate with Credit Risk team members and colleagues from other departments to uphold consistency and strong governance across credit‑related reports, strategies, provisioning, and risk frameworks.

Preferred Skills & Experience

• Bachelor's degree in finance, Economics, Business, or a related field.
• Experience (4+ years) in credit risk within a financial institution.
• Understanding of the business line's operations, products/services, systems, and associated risks/controls
• Effective written, presentation, and communication skills with the ability to articulate key messages in a concise manner.
• Analytical and problem‑solving skills to interpret data/trends and draw actionable insights.
• Sound understanding of credit risk, methodologies, and regulatory requirements (e.g. Basel, CRR, EBA).
• Familiarity with financial analysis.
• Professional certifications such as FRM, CFA, ACA/ACCA or similar are desirable.

Additional Information

• The role offers a hybrid / flexible schedule, which means there's an in‑office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days.

This position is not eligible for visa sponsorship.

Total Rewards

U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
• Performance‑based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness.
• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
• Employee recognition programs that celebrate achievements and milestones for all.