Credit Risk Portfolio Associate

HW3; New York (NY); Hybrid; USD 84,000 - 131,000; Full time

Job summary

A financial services company is seeking a Credit Risk Portfolio Associate in New York, NY. This hybrid role involves supporting credit portfolio analytics and governance reporting, and requires strong analytical skills and credit risk knowledge. The successful candidate will analyze credit portfolios, prepare risk reports, and maintain standardized reporting. A Bachelor's degree in a related field and 2+ years in credit risk or portfolio management is required. Join a dynamic team and help drive insightful decision-making at the executive level.

Qualifications

• 2+ years of experience in credit risk or portfolio management.
• Solid understanding of credit risk concepts.
• Experience with large datasets and portfolio-level metrics.

Responsibilities

• Analyze credit portfolios to identify trends and risks.
• Prepare regulatory presentations and risk materials.
• Perform data quality checks and document discrepancies.
• Support credit risk governance processes.

Skills

Credit risk knowledge

Analytical skills

Data quality management

Presentation skills

Education

Bachelor’s degree in Finance or related field

Tools

Excel

SQL

Power BI

Python

Tableau

Job description

Credit Risk Portfolio Associate - Hybrid

Salary Range: $84,000–$131,000 + discretionary incentive

Job Summary

The Credit Risk Portfolio Associate supports credit portfolio analytics and governance reporting for the Americas Division. This role contributes to materials for internal risk committees and regulators, transforming complex portfolio data into clear, actionable insights for senior management. The position requires strong analytical skills, credit risk knowledge, and the ability to produce concise, executive-ready presentations.

Key Responsibilities

• Analyze credit portfolios to identify trends, concentrations, rating migrations, and emerging risks.
• Prepare recurring and ad hoc portfolio materials, including risk decks, sector reviews, and regulatory presentations.
• Maintain standardized reporting on criticized assets, watchlists, non-pass originations, and key risk metrics.
• Incorporate stress testing, risk appetite, and rating migration analysis into portfolio commentary.

Data & Controls

• Perform data quality checks, investigate discrepancies, and document assumptions.
• Support standardization of data definitions, templates, and methodologies.
• Assist with reporting enhancements and automation using Excel, SQL, and visualization tools.

Governance & Regulatory Support

• Support credit risk governance processes, including committee materials and action tracking.
• Contribute to regulatory exam and internal audit materials with clear, well-supported analysis.
• Provide insights to support underwriting standards and risk appetite frameworks.
• Recommend improvements to strengthen efficiency and consistency of portfolio reporting.
• Translate complex analysis into clear presentations for senior management and committees.

Required Qualifications

• 2+ years of experience in credit risk, portfolio management, or risk/reporting roles within financial services.
• Solid understanding of credit risk concepts, including internal ratings, criticized assets, watchlists, and governance.
• Experience working with large datasets and portfolio-level metrics.
• Bachelor’s degree in Finance, Economics, Accounting, Mathematics, Statistics, or a related field.

Preferred Qualifications

• 3–5 years of relevant experience in credit risk analytics or portfolio management.
• Experience in a U.S. regulatory environment or at a foreign banking organization.
• SQL, Python, or R experience; familiarity with Power BI or Tableau.
• FRM, CFA, or related certifications a plus.