Associate, Credit Risk I

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.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.Community Reinvestment Act/Appraisal: Basic familiarity with the Community Reinvestment Act and experience conducting real estate appraisals is a plus... BNY Mellon is an Equal Employment Opportunity/Affirmative Action Employer. Minorities/Females/Individuals with Disabilities/Protected Veterans. Our ambition is to build the best global team - one that is representative and inclusive of the diverse talent, clients and communities we work with and serve - and to empower our team to do their best work. We support wellbeing and a balanced life, and offer a range of family-friendly, inclusive employment policies and employee forums.

**BNY Mellon is an Equal Employment Opportunity/Affirmat