Risk, Credit Risk, Analyst or Associate, Salt Lake City

CRG – Analyst or Associate Global RiskThe Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.Job Summary & ResponsibilitiesThe Goldman Sachs Group, Inc. is a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and high-net-worth individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in London, Frankfurt, Tokyo, Hong Kong and other major financial centers around the world.Credit Risk ("CR") is a central part of the Goldman Sachs risk management framework, with primary responsibility for assessing, monitoring and managing credit risk at the Firm. CR is staffed globally with offices including New York, London, Frankfurt, Salt Lake City, Hong Kong, Warsaw and Tokyo. Understanding the credit quality of corporations, financial institutions and governments worldwide is an essential aspect of the firm's ability to be an effective financial intermediary. Credit professionals with expertise in financial, credit and risk analysis work closely with many areas of the firm as well as clients in either an advisory or transactional capacity, offering a unique opportunity to gain a broad perspective on the activities of the Firm.We partner with other divisions in the firm and externally with clients to support the firm's wide array of banking and trading business. CR professionals are part of the value proposition of the firm, and we balance our key functional responsibility of control with that of being commercial. CR has strong traditions of risk management, client service excellence and career development opportunities for our people.Below you will find the role and responsibilities of a typical Credit Research Group approver.Key ResponsibilitiesApprove counterparty research reviews and internal credit ratings analysis conducted by analysts. Analysis is expected to include:Assessment of industry fundamentals, financial strengths, and qualitative factors supporting counterparties' creditworthinessFinancial models to assess the counterparties' ability to service its debt through cash flow projectionsAnalysis of performance relative to budget and/or underwriting expectations, as well as adherence to covenantsAnalyze all credit facilities of the portfolio counterparties and recommend Regulatory Risk RatingsPresent findings and recommendations to senior leadership and answer questions relating to analysis performed; escalate issues to CR senior managementLead efforts to produce ongoing surveillance and prepare portfolio observations for senior managementUpdate and maintain existing internal rating methodologyEnsure compliance with Credit Risk policy and procedures, and recommend adjustments as neededProvide both industry specific training and review process training to new hires and juniors analystsOpportunity to work on an industry team such as consumer, retail, healthcare, diversified industrials, technology, media, and telecommunicationsOther key responsibilities include:Coordinate with global colleagues in GS Risk teams as well as with other divisions, including Investment Banking, Asset Management, Controllers, and OperationsSupport key Risk governance and approval committeesParticipate in regulatory examinationsBasic QualificationsBachelor's Degree (US or foreign equivalent) in Business Administration, Finance, or a related field0-5 years of experience in the job offered or a related rolePreferred QualificationsExperience in financial models including, but not limited to, future projections, valuation methods (such as DCF, Multiple based approach)Experience in presenting and defending research reports and findings to colleagues, senior management and internal stakeholdersExperience in team environment, including experience providing training to junior colleagues and peersHighly motivated with strong academic backgroundStrong analytical and communication skills, both oral and writtenTeam player with an ability to work effectively with colleagues in other regional officesFlexibility, ability to learn quicklyStrong organizational skills and the ability to manage multiple assignments concurrentlyPosting Date: 2026-08-06