CIB Risk Associate

About the role

The Credit Risk function assesses, approves, and manages credit and counterparty risk across industries, clients, geographies, and transactions. As a Credit Risk Associate, you will manage credit exposures through rigorous analysis, clear credit recommendations, and close partnership with coverage and product teams-while operating with independence consistent with Corporate Risk Management.

Key responsibilities

• Drive credit due diligence and perform in-depth credit risk assessments, including business, industry, and financial analysis.
• Produce high-quality credit memorandums and ad-hoc credit materials with clear, well-supported recommendations for credit decisioning.
• Build, maintain, and challenge financial models review key assumptions, identify sensitivities, and develop downside scenarios.
• Identify key transaction risks and recommend appropriate structural protections and risk mitigants.
• Support transaction execution and internal system set-up as required.
• Proactively manage credit exposure for an assigned portfolio of clients/industries, ensuring compliance with internal risk policies and applicable regulatory requirements.
• Partner closely with internal stakeholders at senior levels across Coverage and product teams (e.g., DCM, Leveraged Finance, Trade, TSS), Markets (e.g., derivatives sales), and Capital Markets / M&A.
• Liaise regularly with Senior Credit Officers on approvals, monitoring, and portfolio actions.
• Maintain awareness of relevant client/industry trends and emerging risks.
• Contribute to broader projects and initiatives coach and support the development of junior team members where applicable.

Required qualifications, capabilities, and skills

• 2-3+ years of experience in roles with relevant skills for this position.
• Strong credit judgment and analytical skills with a hands-on approach to detail.
• Proficiency in Microsoft Office (Excel, PowerPoint, Word).
• Strong written and verbal communication skills, including ability to synthesize complex concepts into clear recommendations.
• Strong interpersonal skills with the ability to build credibility and partner effectively with internal business stakeholders and credit officers.
• Strong project management skills with end-to-end ownership and ability to manage multiple priorities under tight timelines.
• Bachelor's degree in finance, Accounting, or related area (advanced degree a plus).

Preferred qualifications, capabilities, and skills

• Familiarity with loan and derivative documentation (e.g., LMA-based loan documents ISDA/CSA) and ability to assess key terms and transaction structures.
• Demonstrated ability to coach and develop junior colleagues.
• Excellent communication skills (both written and verbal).
• Strong networking and stakeholder-management skills.