Credit Risk and Analysis | Associate | Warsaw

YOUR IMPACT

How would you like to be involved in a central part of Goldman Sachs risk management frameworkWe are looking for a highly motivated individual who is able to deliver credit risk analysis on the basis of a thorough understanding of credit fundamentals and risks associated with lending and derivatives products. You will play a key role in the credit risk management function supporting the EMEA team.

OUR IMPACT

The Riskbusiness is a team of specialists charged with managing the firms risk and providing the overall financial control and reporting functions as well as underwriting of lending transactions . Whether assessing the creditworthiness of the firms counterparties monitoring market risks associated with trading activities or offering analytical and regulatory compliance support our work contributes directly to the firms success. Thedivision business is ideal for collaborative individuals who have strong ethics and attention to detail.

Credit Risk a department within the Riskbusiness works closely with Global Banking and Markets Asset and Wealth Management and other functions of thecontrol businessesto manage Goldman Sachs credit risk. Credit professionals protect the firms capital by using in-depth knowledge of our clients credit fundamentals credit risk mitigants lending and trading products to make decisions on acceptable level of firms risk appetite. Staffed with 350 professionals Credit Risk operates through 10 different offices around the world and is organized by different industry groups including Corporates Funds Financial Institutions Asset Financing and Private Client. Credit Risk provides a unique opportunity to develop a variety of professional skills and expertise in risk management while working on financial transactions.

The role is based in our Warsaw office where the Credit Risk team is divided into:

• Corprates Coverage (TMT Consumer Retail Healthcare Diversified Industrials Natural Resources Real Estate)
• Funds Coverage (Mutual Funds Hedge Funds Pension Funds Private Equity Funds)
• Financial Institutions Coverage (Banks Brokers Dealers Insurers Asset managers Non-banking Financial Institutions Sovereign related entities)
• Product Analysis and Control Team (Macro and Micro Products Franchise and Prime Products with a particular focus on Derivatives)

HOW YOU WILL FULFILL YOUR POTENTIAL

• Assess the credit and financial strength of counterparts by performing fundamental credit analysis of both quantitative and qualitative credit factors including valuation for internal ratings and lending transactions underwriting
• Collaborate with the business teams including Global Banking & Markets Legal Operations to review client credit requests while ensuring the firms risk return needs are balanced
• Proactively monitor and assess counterparts and industry subsectors in your portfolio and report relevant information and its impact to senior management in a timely manner
• Review and approve derivative funding and lending transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses
• Interact with regulators internal/external auditors as part of the ongoing supervision process

SKILLS & EXPERIENCE WERE LOOKING FOR

• 0 - 3 years of prior work experience in a relevant field preferably within credit risk management or financial analysis
• Ideal candidate will have some practical knowledge of capital market products or accounting/corporate finance
• Knowledge of derivatives funding and lending products and related trading documentation would be an advantage
• Strong analytical and preferably financial modelling skills
• Proficient to advanced skills with MS Office (Excel PowerPoint Word Outlook)
• Highly organized with exceptional attention to detail and follow-through
• Strong ability to manage multiple projects with competing deadlines
• Capability of understanding describing and debating complex concepts
• Ability to work in a fast-paced environment
• Broad knowledge of GSs businesses
• Exceptional work ethic integrity ethical standards sound judgment and ability to play in a team

ABOUT GOLDMAN SACHS

At Goldman Sachs we commit our people capital and ideas to help our clients shareholders and the communities we serve to grow. Founded in 1869 we are a leading global investment banking securities and investment management firm. Headquartered in New York we maintain offices around the world.

We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally from our training and development opportunities and firmwide networks to benefits wellness and personal finance offerings and mindfulness programs. Learn more about our culture benefits and people at committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: The Goldman Sachs Group Inc. 2025. All rights reserved.

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race color religion sex national origin age veterans status disability or any other characteristic protected by applicable law.