Credit Risk Analyst

Description

We are

At Cross River, we're building the financial infrastructure that powers global innovation. With our cutting-edge suite of embedded payments, cards, and lending solutions, we enable millions of businesses and consumers to transact seamlessly and securely.

With 900+ employees worldwide and an R&D center of over 160 employees in Jerusalem - we’re reshaping how financial technology is developed and delivered. .

THE ROLE

The Credit Risk Analyst is part of the Credit Risk Function. As a Risk Analyst, you will help provide technical and data analytical support to ensure accurate, timely, and relevant risk information about the bank’s credit portfolio is delivered to senior management, risk committees, and regulators.

The role provides in-depth exposure analysis, risk insights, and reporting for all credit portfolios, consisting of all products which expose Cross River Bank to credit risk. The analysis and reporting support senior management's understanding of current risk drivers, portfolio concentrations, correlations, and potential emerging risks.

Who You Are

Passionate about analytics, data, and credit, with the ability to take the data and make it tell a meaningful story. You’re able to produce clear reports with an organized and detail-oriented vision, sometimes with no clear instructions, and coordinate with the data owners to piece together the underlying stories. You are proactive with a can-do approach in meeting short and critical deadlines. You understand how to translate information into what the business needs by delivering the best solution.

You’re curious, persistent and creative, with very strong attention to detail. You’re able to thrive in fast-paced high performing environments and work efficiently under pressure and enjoy this challenge. You value flexibility in order to prioritize your personal life without giving up on the challenge that drives you to love your career. You’re self-disciplined enough to work remotely and deliver results on time. You are a native English speaker and have excellent writing skills.

What You’ll Actually Be Doing

• Prepare Credit Portfolio review materials, ensuring accuracy, timeliness, and compliance with internal policies and regulatory requirements for the Credit Committee
• Support the analysis of material variances in the Credit portfolio. Prepare clear and accurate summaries of analysis findings for internal stakeholder discussion
• Participate in end-to-end report development lifecycle: conceptualization, data collection and aggregation, prototyping, report production, and automation
• Develop and monitor risk appetite metrics to ensure the risk that the business is taking is appropriate and within the firm’s established risk tolerance
• Assist with ad-hoc requests for new point-in-time and trend analysis of the credit portfolio, including capture and aggregation of data not already in credit, risk, or CRB systems
• Strong verbal and written communication skills including the ability to summarize information for delivery to senior management
• Support regulatory examination request
  
  

• Proficient in Hebrew and English both written and verbal, sufficient for achieving consensus and success in a remote and asynchronous work environment with ongoing daily correspondence by email - Must
• Minimum of 2 years' experience in Risk management at a financial or fintech institution - Must
• 2 years of experience as a Credit Risk Analyst in a fast-moving business environment - Must
• Excellent communication skills, both verbal and written - Must
• Available at least one day a week for US overlap hours - Must
• A science/technical related college/undergraduate degree
• Understanding of Credit concepts on Commercial and Consumer Lending products, as well as Market Place Lending
• Quick thinker, fast learner, and problem solver with demonstrated ability to complete tasks from start to finish
• Good team player, self-motivated to learn independently and demonstrate proactive approach to improve processes
  
  

• Flexible hybrid work model: three days a week at our Jerusalem office
• Monthly wellness reimbursement – from therapy to gel manicure, it's up to you
• Full Keren Hishtalmut, private health and dental insurance
• Volunteer days, donation matching, Yoga and Pilates
• A supportive, collaborative culture that puts our people first