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Credit


Our credit jobs are all listed within this sector. Credit job titles are usually "credit risk managers," "credit analysts" or "credit officers," but some banks use a seniority level followed by credit - e.g., "vice president, credit." No matter the title, throughout the course of a credit career, these professionals review credit applications from the bank's clients (usually companies that wish to borrow money) or from other financial institutions who are the firm's counterparties.

Jobs listed here also include credit risk. This is the risk of loss of principal funds if a borrower defaults on loan repayment. Risk is incurred when a person or company plans to use future income to pay a current debt. Credit risk analysts and professionals aim to minimize risk by creating credit proposals and reviews, which supply businesses with impartial assessments on the financial situation of potential and current borrowers.

Credit analysts work with the lending team to make sure that credit proposals or extensions are approved or declined in compliance with the firm's own credit policies alongside local regulations. Most lenders use internal models, called credit scorecards, to judge potential and existing customers according to risk. Various different components such as operating experience, management expertise, asset quality and leverage and liquidity ratios are considered when composing these models.

The goal of a credit professional is to maintain high credit quality through the careful structuring, sanctioning, monitoring and control of credit applications in accordance with credit standards. Credit analysts are also required to keep track of clients whose credit portfolios require careful checking. That way, any deterioration in credit will be quickly detected and the overall risk lowered.

Credit professionals, particularly ones that stand higher within the business, must work closely with the business and understand their overall portfolio and risk capabilities. They should keep current on financial analysis and risk profiles of assigned sectors, borrowers and counterparties throughout credit careers. They must handle the difficulty of balancing the goals of sales staff to expand the business with their own responsibilities to lend carefully and make financially sound credit decisions.

Different types of transactions carry different credit risk issues, including within corporate banking, project finance, structured trade and syndications. Many other firms besides banks recruit credit professionals as well. For instance, private equity firms hire them to manage the credit risk of counterparties and investment-related service providers.

Credit jobs can be very specific. Some positions may work only on counterparty risk. These involve due diligence visits to financial institutions to gather credit information. They then analyze these financial records with excel spreadsheets, providing the bank with a current, realistic estimation of future operating performance.

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Showing 1-30 of 39 jobs
Counterparty Credit Analyst-FX Trading Firm – EM - New York Analytic Recruiting Inc. Competitive comp New York, NY 15 May 12

A major NY based financial firm that is active in trading, clearing and settling FX trades is looking for an e...

Structured/Project Finance –ENERGY APA International Placement Consultants, LLC $85,000 Manhattan, NY, 10176 15 May 12

Prestigious International Financial Firm seeks Associate with Project Finance (renewable and traditional energ...

CREDIT ANALYST BNP Paribas Investment Partners Competitive New York, NY 16 May 12

We have an excellent opportunity for a Credit Analyst in our New York office.

Manager Credit Risk Management Advisory E. D. Starr & Company Competitive New York, NY, 10036 15 May 12

Global Leader in Risk Management Consulting

VP Global Margin Analyst E. D. Starr & Company Competitive New York, NY 15 May 12

Quantitative Business Analyst - Margin Risk Management

Junior Commercial Real Estate/Mortgage Backed Securities Credit Analyst - Credit and Payments Risk Federal Reserve Bank of New York not disclosed New York, NY, 10001 07 May 12

See job description below

Financial Institutions, Director (Broker Dealer) Fitch Inc not disclosed New York, NY 15 May 12

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Industrials Associate Director / Director Fitch Inc not disclosed New York, NY 15 May 12

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REITS, Associate Director Fitch Inc not disclosed New York, NY 14 May 12

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Asset Backed Securities, Associate Director Fitch Ratings not disclosed New York, NY 15 May 12

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Financial Modelling and Econometrics Professional Fitch Solutions not disclosed New York, NY 15 May 12

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Commercial Product Manager Fitch Solutions not disclosed New York, NY 15 May 12

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Core Java Developer for Risk Management Futures Group IT $125K-$175K Base + Bonus New York, NY 14 May 12

Core Java Developer for the Market Risk Technology VAR team.

Credit Risk Senior Analyst, Investments Risk Genworth Financial Competitive Salary and Benefits Package Stamford, CT, 06905 02 May 12

The role will lead the development and maintenance of a robust reporting and monitoring platform for credit ri...

Head Trader IJC Partners, LLC. base & bonus New York, NY 16 May 12

Multi-Billion NY based fund seeks a Head Trader

Auctions Specialist Markit Commensurate with experience Manhattan, NY, 10018 02 May 12

Global Product Services provides operational support to a broad range of products, ranging from our pricing an...

CMBS Analyst (CRE CDO Team) Moody's Corporation Annual New York, NY, 10001 14 May 12

DepartmentThe Commercial Real Estate Finance (CREF) Monitoring Group in New York is seeking to hire an Analyst...

Market Risk Quant - CVA Modelling Morgan Stanley not disclosed New York, NY 16 May 12

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Director, Credit Team Patriarch Partners, LLC Base + bonus New York, NY, 10001 14 May 12

Director of Credit Team

Collateral Inspection Officer Rabobank International Competitive based on experience New York City, NY 30 Apr 12

Collateral Inspection Department assists the Credit Risk Department manage credit risk through review of colla...

Director, Quantitative Credit Risk Analytics Robert Walters Associates Inc $250,000 - $300,000 Total Compensation New York, NY 09 May 12

This major US Financial Institution is looking for a strong leader in the Credit Risk Analytics space.

Credit Risk Analyst Robert Walters Associates Inc Competitive Compensation New York, NY 23 Apr 12

This global agency brokerage firm is looking for an experienced Credit Risk Analyst to join their growing team...

Senior Credit Analyst (Financial Institutions) Rockwood Search Associates Commensurate Manhattan, NY, 10018 27 Mar 12

Very stable Financial Services Organization seeks two Senior Credit Analysts responsible for the financial rev...

Leading New York based hedge fund seeks to expand its risk management group with this key hire Selby Jennings Risk Team Base salary - $250,000 - $300,000 total... New York, NY, 10001 16 May 12

• Senior Risk Specialist | Hedge Fund – traded credit • New York • Base salary - $250,000 - $300,000 total c...

Commercial Real Estate Underwriter (Brooklyn) SRI Search Competitive Base + Bonus Brooklyn, NY, 11249 14 May 12

Junior CRE underwriter needed for Commercial Bank. Position is located in Borough Park, Brooklyn. Must have a...

Collateralized Loan Trader "CLO" The Delafield Group base and bonus New York City, NY 27 Mar 12

Investment Bank is looking to expand their structured credit trading team and is seeking to add an experienced...

VP Credit Risk-Hedge Funds The Forum Group Base and Bonus Manhattan, NY, 10167 15 May 12

Investment Bank-Hedge Fund Credit Risk VP

Derivatives Reporter Thomson Reuters not disclosed New York, NY 16 May 12

See job description below

Credit Officer Securities Backed Lending UBS AG commensurate with experience Weehawken, NJ, 07086 07 May 12

Originated through its comprehensive network of financial advisors, branches, and offices located throughout t...

CLO / bank loan operations analyst. Not Disclosed Competitive New York City, NY 14 May 12

Large New York based credit investment management firm has an immediate opening for a CLO / bank loan operatio...

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