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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 383 jobs
Director- Global Counterparty Credit Risk Not Disclosed Highly Competive Base Salary and Bonus New York, NY 22 May 12

Top Investment Bank seeks a Global Counterparty Credit Risk Manager

Director, Credit Risk Not Disclosed $175k base salary, plus substantial annu... Washington, DC 22 May 12

Lead the expansion, development, and implementation of a cutting edge Credit Risk platform. Oversight of Mode...

Director, Quantitative Credit Risk Analytics Robert Walters Associates Inc $250,000 - $300,000 Total Compensation New York, NY 22 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 22 May 12

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

Senior Credit Underwriter, Banking - TIAA-Direct TIAA-CREF Salary plus bonus Charlotte, NC, 28201 22 May 12

Senior Credit Underwriter - Mortgage

NYC Bank - Quant with strong developer skills - Counterparty credit risk Selby Jennings QRF Excellent New York, NY, 10001 22 May 12

Front Office: Counterparty Credit Risk Quant with strong developer skill set Location: NYC, USA Top Global ...

Credit Quant opportunity: Financial firm in NYC Selby Jennings QRF strong New York, NY, 10001 22 May 12

Credit Derivatives Analytics Top US Financial House looking to build out their Analytics Platform Location: ...

Counterparty Credit Analyst-FX Trading Firm – EM - New York Analytic Recruiting Inc. Competitive comp New York, NY 22 May 12

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

Basel II Modeler Not Disclosed $125k-150k basic salary, annual bonus ra... New York City, NY 22 May 12

Lead Model Development, testing, and validation for Basel II regulations. Strong experience with Credit appro...

Quantitative Credit Analyst Macquarie Information not provided New York, NY, 10001 22 May 12

The Credit Trading quant team is looking to add a junior to mid level quantitative analyst.

Associate, Media & Entertainment Companies Standard & Poor`s not disclosed Chicago, IL, 60601 21 May 12

Standard & Poor's Ratings Services is seeking an Associate, Media & Entertainment base in Chicago, Ill...

Treasury Analyst Fortress Investment Group LLC Competitive Base + Bonus Structure San Francisco, CA, 94105 21 May 12

Fortress Investment Group is looking for a Treasury Analyst to join the San Francisco Office

Core Java Developer for Risk Management Futures Group IT $125K-$175K Base + Bonus New York, NY 21 May 12

Core Java Developer for the Market Risk Technology VAR team.

Credit Officer Securities Backed Lending UBS AG commensurate with experience Weehawken, NJ, 07086 21 May 12

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

Relationship Manager - Commercial Lending Not Disclosed Competitive Dallas, TX 21 May 12

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Relationship Manager - Commercial Lending Not Disclosed Competitive Denver, CO 21 May 12

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Relationship Manager - Commercial Lending Not Disclosed Competitive Atlanta, GA 21 May 12

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Relationship Manager - Commercial Lending Not Disclosed Competitive Charlotte, NC 21 May 12

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Relationship Manager - Commercial Lending Not Disclosed Competitive Pittsburgh, PA 21 May 12

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Investment Officer I Calpers Investments $3,185 - $5,874/month Sacramento, CA 21 May 12

As the nation's largest public penstion fund, managing assets of $232.1 billion as of May 10, 2012, the Califo...

Asset Backed Securities, Associate Director Fitch Ratings not disclosed New York, NY 21 May 12

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Financial Institutions, Director (Broker Dealer) Fitch Inc not disclosed New York, NY 21 May 12

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Industrials Associate Director / Director Fitch Inc not disclosed Chicago, IL, 60601 21 May 12

Seeking an Analst for fixed income credit analysis of the Industrials sector. This position will have responsi...

Industrials Associate Director / Director Fitch Inc not disclosed New York, NY 21 May 12

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Commercial Product Manager Fitch Solutions not disclosed New York, NY 21 May 12

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REITS, Associate Director Fitch Inc not disclosed New York, NY 21 May 12

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CREDIT ANALYST BNP Paribas Investment Partners Competitive New York, NY 21 May 12

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

Growing hedge fund seeks to expand its risk management group with this key hire | NYC | USA Selby Jennings Risk Team Base salary - $250,000 - $300,000 total... New York, NY, 10001 21 May 12

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

Corporate Bond Trader | NYC | USA | Selby Jennings FIFX $: Highly Competitive Package New York, NY, 10001 21 May 12

Flow Credit trader. New York City, USA: $Highly Competitive. (Credit, Fixed Income, Corporate Bonds, Trading)

Director - Risk Ratings Job CapitalOne Competitive New York, NY, 10001 21 May 12

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