Associate, Credit Risk Operations (Underwriting) Job at Airwallex (Singapore)

Credit Risk Associate

As a member of Ramp's Risk Strategy & Operations team, you will leverage data to...

Location

United States , New York, NY; San Francisco, CA

Salary:

108300.00 - 165450.00 USD / Year

Ramp

Expiration Date

Until further notice

Requirements

Minimum 2 years of experience in credit risk management or quantitative strategy role
Minimum 2 years of experience using SQL or Python for data retrieval and manipulations
Experience within consumer/corporate/small business cards, payments, lending, or related industries
Excellent written and verbal communication skills

Job Responsibility

Leverage internal and external data to create best in class credit policies
Understand Ramp’s exposure to risk across multiple products to create holistic underwriting and risk management strategies
Investigate and evaluate efficiency of risk policies, procedures, and processes
Analyze market and industry trends, identify potential macroeconomic risk factors and incorporate in credit policy
Partner with product, engineering and design teams to execute credit policies, improve operational tooling, and shape the risk management infrastructure
Partner with data scientists to build and leverage credit risk models in Ramp’s credit policy
Partner with finance teams to create and maintain risk adjusted returns framework, including loss forecasting

What we offer

100% medical, dental & vision insurance coverage for you
Partially covered for your dependents
One Medical annual membership
401k (including employer match on contributions made while employed by Ramp)
Flexible PTO
Fertility HRA (up to $10,000 per year)
Parental Leave
Unlimited AI token usage
Pet insurance
Centralized home-office equipment ordering for all employees

Fulltime

Credit Risk Officer

Citibank, N.A. seeks a Credit Risk Officer for its Getzville, New York location.

Location

United States , Getzville

Salary:

130728.00 USD / Year

Citi

Expiration Date

August 05, 2026

Requirements

Master’s degree or foreign equivalent in Business Administration, Economics, Management Information Systems, Finance, Accounting or related field and 3 years of experience as a Credit Risk Analyst, Credit Portfolio Senior Manager, Tax Analyst or related position
Will also accept a Bachelor’s degree, or foreign equivalent in disciplines listed above and 6 years of progressively responsible, post-baccalaureate experience in the fields listed above
3 years of experience must include: Leading alignment meetings by presenting industry analysis, financials, organizational structure of counterparty to business and risk partners
Analyzing trends in the industry Escalating credit risk and mitigating potential loss on extended credit for clients
Perform Financial Statement analysis and use accounting skills to Conduct credit research and financial stability of a company, evaluating and reporting profitability of a credit line for extended facilities
Managing and maintaining portfolio and conducting credit assessment for counterparties
Knowledge of risk and return models, and independent assessment for evaluating acquisition financing, and leveraging financing for counterparties
Evaluating risk for the obligors and performing financial analysis to determine and recommend an extension of credit line
Performing stress testing to determine the outlier in the portfolio, UAT testing to fill gaps in the process and analyzing different types of transactions, including margin and term loans and revolving credit facilities for the client
Loan documentation, collateral ratings, and key trading as agreements - ISDA/CSA

Job Responsibility

Assess analyst work and creditworthiness as a senior on the team and assign appropriate credit rating by credit & financial analysis
Review & underwrite the structuring of annual & transaction Credit Approval Memos
Complete/Review due diligence of North American Insurance companies with industry knowledge to provide appropriate extensions of credit remaining within risk appetite per Wholesale Credit Risk Policy, perform outlook & industry overview of the portfolio for presenting to leadership
Maintain updated credit research on a portfolio of clients and lead group wide efficiency projects
Help the team in assessing risks & mitigants, using both quantitative and qualitative factors to perform reviews/renewals for new and existing relationships
Lead/work with the team to perform complex transactions in sensitive timeline through collaborating cross functionally within 1st /2nd & 3rd Line of Defense
Supervise, review, & provide input on analysis as a senior on the team and seeks credit and regulatory approval for all annual/transactions as part of a deal team
Ensure best in class core credit risk analysis of applicable portfolio, ensuring consistencies with industry leading practices and conform to all internal credit procedures/policies, and all related regulatory expectations
Recognize concerns regarding execution of risk analysis and/or emerging risks which will need to be addressed by the team, and ensure the tactical execution of these guidelines are reflected on all core deliverables of the team
Ensure ongoing and timely feedback and coaching of Credit Risk Analysts, Credit Risk Senior Analysts, and Credit Risk Associates

What we offer

medical
dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

Director, Small Business Bank Credit Operations

As a Director | Small Business Bank Operations Management at Capital One, you wi...

Location

United States , Plano, Texas

Salary:

187300.00 - 235100.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

A Bachelor’s Degree or Military experience
At least 4 Years of Project Management experience
At least 4 Years of People Management experience
At least 4 Years of Leading Operations Teams

Job Responsibility

Lead moderate sized operations teams, some of which may include Loan Closing, Portfolio Servicing, Construction Monitoring and Renewals
Lead a small team of high performing process and project associates responsible for project work across Credit Operations as well as administration of the Loan Origination System (Sageworks) and reporting
Develop and maintain a deep understanding of business operations, customer experience and regulatory environment
Analyze data to proactively identify risks and trends and provide insights that support well managed efficient operation
Support internal business resource planning
Provide guidance and advice to business partners on implementing operational changes to meet new intent
Drive collaboration between the sales, risk, underwriting, special assets, compliance, legal and other and other functions
Ensure independent escalation of risk management gaps, issues, and concerns, including emerging risks and regulatory focus areas
Identify and execute on opportunities to improve operations and risk management, while delivering an exceptional customer experience

What we offer

performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being

Fulltime

Principal Associate, Underwriting - CDFI

Principal Associate, Underwriting - CDFI. Global Enterprise Affairs works with m...

Location

United States , McLean; Richmond

Salary:

119400.00 - 149800.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

High School Diploma, GED, or Equivalent Certification
At least 4 years of experience in credit, lending, relationship management, or any combination of the three
At least 1 year of experience with mission-driven lending or investments or community development lending or investments

Job Responsibility

Support preparation of credit approval packages
Assist in due diligence, underwriting or asset reviews of individual transactions in compliance with policies and procedures
Support portfolio management activities by monitoring financial performance and risk exposure
Conduct financial analysis and modeling to assess feasibility
Gather market data to support underwriting, asset or portfolio reviews
Partner with internal teams to ensure adherence to regulatory and internal policies
Lead the analysis and evaluation of opportunities, ensuring financial viability aligns with the organization's risk appetite, and social impact goals
Monitor the portfolio performance for both financial health and social impact performance, collaborating with internal teams to ensure ongoing compliance with CDFI certification and grant funding requirements
Identify and implement process improvements for capital deployment, impact reporting, and partner relationship management to maximize community reach and operational efficiency
Contribute to process improvements to enhance operational efficiency

What we offer

Performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
health, financial and other benefits

Fulltime

Credit Risk Analyst - Securities Based Lending Product

The Credit Risk Analyst for Securities Based Lending (SBL) product will play a k...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Strong analytical and decision-making skills with sound credit judgement
Detail oriented, with a proactive mindset and ability to thrive in a fast-paced environment
Clear communicator and collaborative team player
Familiarity with securities (Mutual Funds, Equities, ETFs, fixed income) and market behaviour
Understanding of credit fundamentals, collateral evaluation, and financial statement analysis
Proficiency in MS Excel, PowerPoint and Word and other data tools is a plus
Bachelor’s degree in Finance, Economics, Mathematics, Statistics or related fields
Be a data-oriented thinker that uses the available information to find opportunities
Written and verbal communication skills in English
1-2 years of relevant experience in credit risk, financial analysis, or a similar role involving risk policy or Collateral management

Job Responsibility

Proactively monitor, assess, and manage credit risk exposures specifically associated with Securities Based Lending (SBL) facilities
Conduct in-depth analysis of client portfolios to ensure strict adherence to internal margin requirements and established risk thresholds
Provide critical support for the underwriting process of SBL exposure extension applications
Implement and maintain robust mechanisms for the continuous monitoring and evaluation of ongoing credit risk exposures across all active accounts
Support risk escalation processes and exception reviews
Collaborate with product, legal and operations teams to support new client onboarding and risk-related process improvements
Contribute to the development and refinement of underwriting criteria, credit risk models, collateral valuation methodologies and stress testing frameworks
Prepare and present regular internal reports and dashboards tracking portfolio risk metrics and credit performance to internal stakeholders
Support margin call management and liquidity event responses in coordination with Operations
Analyse individual and aggregate client portfolios to ensure alignment with internal risk appetite and margin requirements

Fulltime

Principal Associate, Strategic Investments Group - Co-Lending and Credit Insurance Partnerships

The Strategic Investments Group (SIG) creates and runs partnerships that connect...

Location

United States , Richmond, Virginia; McLean, Virginia; Chicago, Illinois

Salary:

119400.00 - 149800.00 USD / Year

Capital One

Expiration Date

Until further notice

Requirements

Bachelor's Degree or Military Experience
At least 2 years experience in Corporate Banking or Insurance
Foundational understanding of the commercial lending debt markets or credit insurance markets
Experience managing or supporting capital markets, securitization, syndication or insurance market executions involving coordination across multiple lenders, investors, insurers
Experience in risk analysis or portfolio management at banks, insurers or export agencies
Proficiency in data and reporting infrastructure, including using SQL or Python for queries and scripting
Familiarity with Snowflake or similar BI tools like Amazon Quicksuite for automated reporting and dashboards

Job Responsibility

Drive post-close incremental commitment requests for our corporate lending partnerships from internal originations, risk and capital markets teams, directly coordinating with external partners, insurers and insurance brokers to determine partner eligibility and potential hold sizes
Monitor an established portfolio of loans with credit insurance for performance deterioration, amendment activity, or potential claims, coordinating notices and votes between our deal teams and external insurance underwriters and brokers
Lead team’s coordination efforts for internal deal team referrals to our external real estate and equipment finance partners
Support Senior Desk associates and provide surge capacity for new deal activity in our corporate lending partnerships, with opportunity to increase scope with experience
Ensure diligence materials and amendment requests are shared with partners where necessary
Review and ensure accurate portfolio and pipeline data infrastructure
Assist in coordinating partner closing processes with Senior Manager peers, Head of Co-Lending and Credit Insurance Desk, external legal counsel and operations, ensuring strong supporting documentation with each transaction
Drive infrastructure projects to enable continued scale for established and new partnership programs in addition to supporting ad hoc internal and external partner requests
Coordinate insurance claims processes
Work with Team Leader to prepare presentations for internal and external stakeholders for strategy updates, business updates and other ad hoc presentations

What we offer

performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI)
health, financial and other benefits
Learn more at the Capital One Careers website

Fulltime

Institutional Credit Management - In-Business Quality Assurance - Financial Institutions Underwriting, Vice President

Institutional Credit Management’s (“ICM”) objective is to provide an integrated ...

Location

Hungary , Budapest

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Quality Assurance: Demonstrable Credit / Counterparty credit risk Audit / quality assurance experience, including 5-7 years in the areas of banking, credit risk management, loan review or quality assurance review function at an investment or large commercial bank
Solid understanding of risk management and control frameworks related to Counterparty Credit Risk management or another Financial Risk discipline
Capability to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
Strong background on core credit analysis for large corporate and finance industries including funds to properly evaluate process and quality breaks within the quality assurance function
Ideally, credit officer or analyst or operational credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
High awareness and adherence to the control environment including Quality Assurance and Quality Control
Competencies: Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Job Responsibility

Support the Head of FI In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function in accordance with the coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Under the supervision of the Markets In-Business Quality Assurance Functional Head, support execution of the following: Consistent and objective assessments during QARs
Subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Constant interaction with the respective Analysts and Team Leads, to ensure that quality assurance protocols are adequate for all portfolios
Support WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings

What we offer

Cafeteria Program
Home Office Allowance (for colleagues working in hybrid work models)
Paid Parental Leave Program (maternity and paternity leave)
Private Medical Care Program and onsite medical rooms at our offices
Pension Plan Contribution to voluntary pension fund
Group Life Insurance
Employee Assistance Program
Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed
Flexible work arrangements to support you in managing work - life balance
Career progression opportunities across geographies and business lines

Fulltime

Institutional Credit Management - In-Business Quality Assurance - Financial Institutions Underwriting, Vice President

Institutional Credit Management’s (“ICM”) objective is to provide an integrated ...

Location

Czechia , Prague

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Quality Assurance: Demonstrable Credit / Counterparty credit risk Audit / quality assurance experience, including 5-7 years in the areas of banking, credit risk management, loan review or quality assurance review function at an investment or large commercial bank
Solid understanding of risk management and control frameworks related to Counterparty Credit Risk management or another Financial Risk discipline
Capability to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
Strong background on core credit analysis for large corporate and finance industries including funds to properly evaluate process and quality breaks within the quality assurance function
Ideally, credit officer or analyst or operational credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
High awareness and adherence to the control environment including Quality Assurance and Quality Control
Competencies: Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Job Responsibility

Support the Head of FI In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function in accordance with the coverage universe
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank’s risk appetite and all policies and processes established within the risk governance framework
Under the supervision of the Markets In-Business Quality Assurance Functional Head, support execution of the following: Consistent and objective assessments during QARs
Subsequent follow-up on corrective actions that were raised during QARs
Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Constant interaction with the respective Analysts and Team Leads, to ensure that quality assurance protocols are adequate for all portfolios
Support WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings

What we offer

Competitive base salary (which is annually reviewed)
Business casual workplace
Hybrid working model (up to 2 days working at home per week)
Access to an array of learning and development resources
Resources and tools to volunteer in the communities

Fulltime

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Associate, Credit Risk Operations (Underwriting)

Job Description

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