Credit Risk Portfolio Associate

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. #J-18808-Ljbffr