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Risk Division - Credit Risk Management - Credit Analyst

  • Warszawa, mazowieckie pokaż mapę
  • Specjalista
  • 13.09.2018

    Pracodawca ma prawo zakończyć rekrutację we wcześniejszym terminie.

    Risk Division - Credit Risk Management - Credit Analyst


    The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world.





    The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.


    Primary responsibilities include:

    • Development and generation of credit exposure reports in the Warsaw R&A team, using a combination of proprietary systems and off-the-shelf software:
      • Understanding fundamental risk metrics and drivers of credit risk 
    • Monitoring, analysing and explaining changes in the firm’s credit risk exposures and capital requirements across products, sectors and regions
      • Defining data requirements and sourcing necessary data 
      • Implementing controls and conducting reviews to ensure data quality 
      • Presenting analysis and narrative to senior management
      • Engaging in dialogue with subject matter experts to explain trends 
      • Responding to requests for ad-hoc analysis based on market events or credit concerns 
    • Conducting stress tests and scenario analyses to understand credit risk implications
    • Projects and processes related to regulatory deliverables: 
    • CRM's contributions to Basel III, stress testing and internal risk-based capital assessments 
    • Interacting with Regulatory Controllers & Policy as well as other stakeholders to ensure the accuracy of credit risk capital calculations and input risk parameters 
    • Assessing capital and regulatory implications of prospective transactions 
    • Technology initiatives related to exposure measurement, analytics, stress testing, and capital adequacy

    Skills/experience we are looking for:

    • 1 - 3 years of experience in Credit Risk, Regulatory Risk Management
    • Preferred experience in counterparty credit risk or Basel III regulation and its application within a large financial institution
    • Organized, process-oriented and attentive to detail, with ability to work on multiple projects under demanding timelines 
    • Strong quantitative and analytical skills and experience with data manipulation/analysis
    • Familiarity with investment banking products including loan products and derivatives
    • Ability to comfortably and effectively interact with people across many different areas of the firm and various levels of seniority
    • Excellent communication, presentation, and writing skills
    • Strong proficiency in Excel, PowerPoint, Word and other software



    Your impact

    How would you like to be involved in a central part of Goldman Sachs' risk management framework? We are looking for highly motivated individuals with strong analytical skills and a broad interest in financial and economic markets. Our credit professionals make a critical contribution to management of the firm’s risk on a daily basis. These roles enable individuals to develop expertise in financial and business analysis of the firm’s trading counterparties as well as the risks inherent in derivative, funding and lending products, and to take on increasing responsibility over time.


    Our impact

    The Risk Division is a team of specialists charged with managing the firm’s risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail. 

    Credit Risk Management (CRM) works closely with the CRO / senior management to manage Goldman Sachs’ credit risk. Credit professionals protect the firm’s capital by using in-depth knowledge of our clients, markets, and trading products to make decisions on acceptable level of firm’s risk appetite. Staffed with more than 400 professionals, CRM operates through 11 different offices around the world. CRM provides a unique opportunity to develop a variety of professional skills and expertise in risk management while working on financial transactions. 

    Regulatory & Analytics Team offers a range of different responsibilities focusing on data analytics, stress testing and management reporting, the interaction with numerous departments and projects providing a challenging, varied and multi-dimensional work environment. 


    How you will fulfil your potential

    As an Analyst in CRM - Regulatory & Analytics (R&A) based in Warsaw, you will play a key role in the credit risk management function and overall capital management process at Goldman Sachs. The R&A team is responsible for the firm's credit risk-related reporting to senior management as well as to external stakeholders such as regulators and investors. The team aggregates and analyses current and potential credit exposures to identify and highlight notable trends and concentrations. The team also executes and analyses the results of stress tests designed to quantify exposures that might arise under unlikely but plausible market conditions or in response to potential geopolitical events for both risk management and regulatory purposes. Finally, the team is responsible for aspects of the firm's credit risk-related regulatory requirements including risk based capital requirements (Basel III), supervisory stress-testing and capital adequacy analysis, and various elements of regulatory reform.