Specialist, Credit Risk

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

With direct guidance, assists with risk management efforts for the assigned credit risk focus, such as Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration.

Helps with the development of documentation and reporting. Supports each team's adherence to the risk management strategy of the assigned credit risk discipline. 

Primary duty for each discipline is as follows: Credit Analysis & Approval/Portfolio Management: With direct guidance, assists with analyses of industry, country and counter party credit portfolios and credit portfolio quality. May interact with portfolio managers, as directed. 

Trained to underwrite credit transactions and manage credit relationships.

Operational Credit Risk: With direct guidance, assists with the completion of numerous credit processing and assessment activities, including credit analysis, underwriting, borrower re-rating and transaction review for intraday credit. Country Risk: With direct guidance, assists with the assessment and grading of credit quality for the assigned small, standard country. Is beginning to track the fiscal condition of sovereigns and to draft preliminary ratings for country borrowers. Supports preparation of standard country risk assessments and integration of assessments into portfolio management for the organization's overall credit risk.

Credit Administration: With direct guidance, assists with credit reviews or credit submissions and other related administrative activities and operations for the various credit portfolios. Assist with the preparation of credit proposals, gathering documentation and financial spreads. Audits credit proposals and confirms credit approvals are in compliance with policies. Training on credit systems, such as the credit borrower rating system and credit approval system. May be involved in analyzing and preparing adhoc and standard reporting for the credit risk portfolios.

Community Reinvestment Act/Appraisal: With direct guidance, helps in the identification of the appropriate balance of investments, loan commitments and community activities to align with CRA corporate goals. Assists in reviewing real estate appraisals for commercial and residential properties, as directed. May check appraisal policies and procedures for consistency with the Bank's risk appetite and for compliance with various standard regulatory requirements. Under direct supervision, contributes to analyses of existing and proposed legislation, regulatory announcements and industry practices that are applicable to the assigned credit risk discipline. Reviews work with more senior professionals. Assists with the assessments of the effectiveness of current Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration risk identification and mitigation projects.Assists with the completion of industry, country and/or counter party credit quality analyses for the assigned credit risk discipline. Begins to build familiarity with regional differences. 

No direct reports.Contributes to the achievement of Credit Analysis & Approval/Portfolio Management, Operational Credit Risk, Country Risk or Credit Administration team objectives. Modified based upon local regulations/requirements.

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

Bachelor's degree or related technical discipline, or the equivalent combination of education and experience is required. Family Requirements:0-1 years of total work experience preferred. 

Prior experience/background in credit risk preferred. In addition, may require the following experience/skills based on primary duties:

Discipline Requirements:Credit Analysis & Approval/Portfolio Management: Ability to assist with the management of diverse lending, operating products, attendant risk, foreclosure, bankruptcy and/or OREO assets is a plus.

Operational Credit Risk: Experience as an underwriter and assisting with the management of rapid-turnaround, intraday funds transfers and approvals is a plus.

Country Risk: Experience with borrower rating systems and tracking methodologies, and basic knowledge of fiscal and financial condition indicators is a plus.

Credit Administration: Experience as an underwriter and familiarity with credit administration systems typically used by financial institutions is a plus..

At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.

At BNY, our culture speaks for itself, check out the latest BNY news at BNY Newsroom & BNY LinkedIn

 Here’s a few of our recent awards:

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

Our Benefits and Rewards:

BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.

BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.

BNY assesses market data to ensure a competitive compensation package for our employees. The expected base salary for this position when employment commences can be found in the Job Info section at the bottom of the posting. 

Base salary offered may vary depending on multiple individualized factors, including market location, job-related knowledge, skills, and experience. Base salary is only part of the total rewards package, which may include eligibility for an annual discretionary incentive award. Subject to the terms and conditions of the applicable plans then in effect, eligible employees may enroll in a 401(k) plan as well as participate in Company-sponsored medical, dental, vision, and basic life insurance plans for the employee and the employee’s eligible dependents. Eligible employees also may receive other benefits (including various paid time off benefits, such as vacation and sick time), dependent on the position offered. Details of participation in these benefit plans will be provided if an employee receives an offer of employment.

If hired, the employee will be in an “at will” position and the Company reserves the right to modify base salary (as well as any other discretionary payments or compensation programs) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

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