Senior Associate, Credit Risk

Senior Associate, Credit Risk – Risk & Compliance

In this role, you’ll make an impact in the following ways:

• Engage in deep dive credit analysis to understand the business performance of banks/broker dealers and provide concise credit underwriting papers and recommendation to credit approvers.
• Partnering with colleagues in Credit Risk team to prepare credit analysis paper comprising of:
• Comprehensive fundamental analysis (Capitalization, Management, Earnings, Liquidity, and Sensitivity to Market Risk)
• Review of the counterparty’s strategy and its business risk
• Researching industry dynamics, global economic conditions and competitive environment
• Recommending borrower risk rating based on financial and economic data
• Ensure adherence to deadlines for new deals and timely completion of error-free annual reviews
• Proactively monitor the assigned portfolio by tracking industry / economic / regulatory development, counterparty related news, and other early warning indicators.
• Liaising with various internal and external stakeholders.
• Depending on experience, skill and competence, he or she can be given additional responsibilities.
  

To be successful in this role, we’re seeking the following:

• Strong understanding of banks/broker dealers’ financial statements.
• Candidate with 4 – 6 years’ experience in credit rating / research / analysis / underwriting with large MNC banks / captive unit of a large multinational bank / credit rating agencies.
• Strong verbal and written communication skills with the ability to clearly articulate well-reasoned underwriting proposals for credit approval.
• Ability to come up the learning curve faster and adapt & implement new concepts and ways of working.
• A self-starter with the ability to meet deadlines in a fast-paced and dynamic environment.
• Ability to interpret credit documents to assess credit terms & conditions, including financial covenants, security and collateral.
• Knowledge of capital markets / traded products and commercial financing facilities.
• Ability to complete work with minimal or no supervision and meet stringent timelines.
• Good understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA).
• Knowledge of market data tools and external resources like S&P Capital IQ, Moody’s, and Credit Sights etc.
• Ability to guide early career analysts and suggest process improvement ideas to leadership.
• Handle stakeholder questions/complaints efficiently and turn mistakes into learning opportunities.
• Maintains a professional image by always being available to take care of deliverables.
• Manage fair workload and volunteer for additional work during peak periods.
• Pro-active, “Can Do” attitude, understanding that taking the initiative is utmost important.
• Self-starter & team player with positive, proactive and open attitude.
• Ability to prioritize workload and respond quickly to urgent requests.
• Innovative team player with demonstrated ability of working as part of a robust team.
• Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirements as issued by BNY.
• Maintain BNY internal control standards. Adhere to implement the Group Compliance Policy, as applicable to the role.
• Complete all the mandatory training courses on time and ensure no compliance breach of data security, confidentiality related or personal trading policies.
• Adhering strictly to compliance and operational risk controls in accordance with BNY policies.
• MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM
  

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• America’s Most Innovative Companies, Fortune, 2025
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• “Most Just Companies”, Just Capital and CNBC, 2025
  

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