Risk Management Risk Associate

Help shape smart credit decisions for leading financial services companies across the United this role your judgment will directly influence how we structure exposures manage risk and support client growth. Youll partner closely with coverage banking treasury services and product teams on complex transactions and ongoing portfolio stewardship. If youre rigorous curious and comfortable driving decisions with incomplete information youll thrive here. Join a team where strong risk management and strong client partnership go hand in hand.

As aCredit Officerin theCommercial & Investment Bank Financial Institutions Group Streamlined Risk Team you will lead credit risk management for a portfolio of financial services clients across multiple subsectors. Youll assess risk design and recommend credit structures and drive credit approvals in close partnership with coverage and product teams. Youll also monitor portfolio performance keep risk ratings current and forward-looking and escalate emerging concerns early. This role offers broad exposure across treasury management and trading-related products and pathways to expanded underwriting responsibilities over time.

Job Responsibilities

• Identifyandevaluatekey risk factors across assigned clients products and industry subsectors.
• Leadclient due diligence meetings andsynthesizefindings into clear risk views.
• Engagewith clients bankers and internal partners tobuildunderstanding of business models financials and competitive dynamics.
• Developandrecommendcredit structures aligned to risk including collateral and key terms.
• Preparecredit approval materials andpresentrecommendations to the appropriate approval level.
• Ensureadherence to credit risk and related policies including approval authorities and documentation standards.
• Negotiatecollateral covenants and other terms in partnership with deal teams.
• Reviewandnegotiatelegal and trading documentation to confirm alignment with approved credit terms.
• Monitorportfolio clients continuously andmaintaincurrent forward-looking risk ratings.
• Identifydeteriorating credits early anddriveproactive risk mitigation and problem-credit management.
• Deliverannual reviews and ad hoc portfolio reporting to senior management andcoordinatewith Credit Services to keep systems data accurate.

Required qualifications capabilities and skills

• Bachelors degree.
• 3 years of experience in credit risk underwriting portfolio management or a closely related risk role.
• Demonstrated ability to analyze financial statements liquidity leverage and cash flow drivers.
• Experience preparing credit approval write-ups and presenting recommendations to senior stakeholders.
• Proven ability to operate independently with minimal day-to-day direction.
• Strong written and verbal communication skills including the ability to explain risk clearly and concisely.
• Experience working in cross-functional deal teams and managing multiple deadlines.
• Strong relationship-management skills with internal partners and external clients.
• Ability to identify emerging risks and take proactive action on deteriorating situations.
• Commitment to a strong control environment and policy adherence.
• Proficiency in Microsoft Excel PowerPoint and Microsoft Office tools.

Preferred qualifications capabilities and skills

• Experience covering financial services subsectors such as insurance asset management private equity payments exchanges mortgage finance or lender finance.
• Experience with treasury management and payment products (for example automated clearing house debits/credits letters of credit corporate cards intraday overdraft).
• Familiarity with securities or over-the-counter derivatives exposures and related credit risk considerations.
• Experience negotiating collateral agreements and trading documentation.
• Knowledge of bank credit policies and procedures.
• Experience presenting portfolio reviews or risk themes to senior leadership.
• Interest in progressing toward broader underwriting responsibilities over time.