Mortgage Structured Lending Credit Risk Analyst
About The Position
The firm is seeking an experienced credit risk professional to join the Mortgage Structured Lending Credit Risk team. The role requires experience evaluating counterparties, residential mortgage and real estate collateral, securitizations and new products/structures. In addition to product expertise, the candidate must exhibit familiarity with models, effective management ability and excellent communication as the role requires extensive collaboration across various functions and with clients. Candidate must be able to work with business partners to structure and negotiate credit terms for residential real estate and mortgage warehouse transactions.
Requirements
- 3+ years of relevant risk experience
- Strong understanding of residential mortgage & real estate underwriting, or adjacent sectors (e.g., ABS)
- Proven experience managing stakeholder relationships
- Understanding of credit risk rating methodologies
- Knowledge of risk metrics and limit frameworks
- Familiarity with financial statement analysis
- Broad understanding of securitization structures and markets
- Exceptional ability to communicate complex risk concepts clearly
- Experience presenting to executive committees
- Strong negotiation and conflict resolution capabilities
- Ability to build consensus across diverse stakeholder groups
- Confidence in challenging senior stakeholders constructively
- Clear written & verbal communication for regulatory correspondence
- Global mindset and cross-cultural awareness
- Crisis management and problem-solving abilities
Responsibilities
- Build and maintain strategic relationships with origination and structuring teams
- Act as intermediary between clients, business units, auditors and department heads
- Present risk assessments and strategic recommendations to senior management & executive committees
- Provide clear, impactful communication of risk issues to senior management
- Partner with global teams across different jurisdictions and time zones
- Influence key decision makers on risk appetite and portfolio strategy
- Review and challenge transactions
- Ongoing monitoring of portfolio, collateral performance and markets
- Conduct on-site due diligence with counterparties to determine financial, operational and managerial capabilities
- Write credit reviews to provide support for ratings and discuss risks and mitigants for transactions
- Oversee limit framework design and implementation
- Guide development of risk analytics and reporting frameworks
- Contribute to regulatory capital optimization initiatives
- Foster collaboration across risk and control functions
Benefits
- 401(k) eligibility
- various paid time off benefits, such as vacation, sick time, and parental leave
- sign-on bonus
- restricted stock units
- discretionary awards
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
