Credit Risk Analyst

UBA America; New York (NY); On-site; USD 110,000 - 130,000; Full time

Job summary

An established industry player is seeking a detail-oriented Credit Risk Analyst to join their Risk Management Department. This role involves analyzing credit data and financial information to assess risks associated with lending. The successful candidate will present findings to management, conduct thorough evaluations, and provide training to enhance compliance standards. If you are passionate about risk management and have a strong analytical background, this opportunity offers a chance to make a significant impact in a dynamic environment focused on excellence and compliance.

Benefits

Medical Insurance

Vision Insurance

401(k) Plan

Qualifications

• 5+ years of credit experience in lending and underwriting practices.
• Strong ability to perform independent financial analysis of borrowers.

Responsibilities

• Analyze credit data to determine risk for loan approvals.
• Provide credit training to relationship managers.

Skills

Financial Analysis

Credit Risk Assessment

Regulatory Compliance

Communication Skills

Analytical Skills

Problem-Solving Skills

Education

Bachelor's Degree in Finance

Advanced Degree (preferred)

Tools

Microsoft Excel

Microsoft Word

Microsoft Access

Visual Basic

Job description

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This range is provided by UBA America. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$110,000.00/yr - $130,000.00/yr

Direct message the job poster from UBA America

Human Resources, Recruitment, Payroll, Benefits, Compensation. Compliance, Learning and Development, Labor and Employee Relations.

JOB DESCRIPTION

DEPARTMENT: RISK MANAGEMENT DEPARTMENT

FLSA STATUS: EXEMPT

JOB SUMMARY: The Credit Risk Analyst reports to the Head, Risk Management, and is responsible for analyzing credit data and financial information to determine risk associated with granting loans and credit to clients. The responsibilities for this role will include evaluating the financial status and credit repayment capability of potential credit customers and making suitable recommendations to the Head Enterprise Risk Management/Chief Credit & Compliance Officer on Credit Approval Memo (CAM) received from relationship managers in line with the credit policy/underwriting standards of the bank and all relevant regulatory provisions for informed credit decisions. The responsibility will also include providing credit training to the relationship managers to improve the credit underwriting and credit policy compliance standards of the bank.

ESSENTIAL FUNCTIONS & ACCOUNTABILITIES*

• Conduct thorough analysis of financial statements and assessment of credit requests, including new requests, changed requests, refinancing and periodic due diligence reviews.
• Present analysis, findings, and recommendations to managers, especially findings

that involve a borrower’s ability to repay.

• Conduct independent evaluation of the Credit Risk Rating of credit obligors to confirm that it meets the minimum threshold required for the credit type.
• Liaising with the Group Credit Office for CAMs requiring Technical Input of the Group Executive Credit Committee (ECC)
• Build, maintain, and improve credit risk underwriting standards in the bank.
• Provide credit policy training to the relationship managers to improve the credit underwriting and policy compliance standards in the bank.
• Effective liaison with the credit underwriting/risk rating application provider of the bank to ensure the continuous proper functioning of the application with relevant upgrades as may be required.
• Support the preparation of committee materials and other reports related to the

Bank’s credit risk exposure/underwriting process

• Conduct periodic portfolio reviews, extract and present relevant learning points for credit policy improvement.
• Ensure the bank’s credit risk policies and processes are regularly updated to comply with regulatory guidance and execute credit processes as required by the credit policy
• Complies with all UBA America legal and regulatory requirements, adheres to the Branch’s Code of Conduct, attends regular periodic training on core Branch policies, and reports any known or suspected violations of the Code of Conduct to UBA America management.
• Any other non-conflicting risk management function as may be assigned by the Head Enterprise Risk or Chief Credit & Compliance Officer.
• Specific duties and responsibilities may vary based upon departmental and Branch needs. Other duties similar to the above and consistent with the knowledge, skills and abilities required for the position may be assigned

MINIMUM QUALIFICATIONS:

• Bachelor’s degree (or equivalent) with a concentration in finance, economics, statistics, mathematics, actuarial science, or a related field; advanced degree preferred
• 5+ years’ related credit experience including working knowledge of lending and underwriting practices
• Experience and ability to perform ongoing, independent financial analysis of borrowers to confirm willingness and capacity to repay in accordance with regulatory expectations for commercial lending.
• Strong oral and written communication skills
• Competency in Microsoft Word, Excel, and Access and Visual Basic
• Strong analytical and problem-solving skills
• Proven statistical, spreadsheet and simulation skills

* * *

UBA America is an Equal Opportunity Employer

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst

• Industries

  Banking

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Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

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