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WebBank · 1 day ago

Senior Risk Analyst

New York, NY

Full-time

Onsite

Senior Level

WebBank is a Utah chartered Industrial Bank that specializes in consumer and small business credit products. The Senior Risk Analyst will support credit risk and portfolio analytics initiatives by building complex financial models and conducting credit risk analytics to inform investment decisions and business strategy.

BankingFinancial Services

Growth Opportunities

H1B Sponsor Likely

Responsibilities

Build and maintain complex financial models to analyze new investment opportunities by conducting due diligence on asset pools and modeling expected cash flows and credit losses

Evaluate the underlying asset performance (loans, credit card receivables, etc.) and incorporate payments and losses into the financial models to assess the credit protection requirements for the Bank

Conduct credit risk analytics across the Bank’s portfolios to ensure portfolio risk levels (delinquency, excess spread, charge-offs, etc.) are aligned with the forecasts and within the pre-determined thresholds

Evaluate financial trends, policies, and underwriting processes to inform loan loss reserves (CECL), Risk Adjusted Return (RAROC), and Return on Equity (ROE) analyses

Collaborate with cross-functional teams, including Program Management, Business Development, Accounting, Finance, Counterparty Credit Risk, and Credit Structuring teams, to support investment transactions and ongoing portfolio monitoring

Support the annual budgeting process by creating financial risk and cash flow projections to drive the Bank’s future income estimates

Continually enhance reporting and business intelligence dashboards using tools such as Tableau to provide senior management visibility into current trends and help drive strategic decisions

Stay current on industry trends, financial regulations, and emerging technologies to continuously improve risk analytics and financial modeling methodologies

Contribute to strategic initiatives to automate and streamline credit risk and portfolio analytics processes

Qualification

Financial modelingCredit risk analysisQuantitative analysisPortfolio analyticsCash flow analysisBusiness intelligenceIndustry knowledgeCollaboration

Required

Strong background in finance, credit risk, and quantitative analysis

Experience in building financial models and analyzing cash-flowing credit assets

Ability to build and maintain complex financial models to analyze new investment opportunities

Conduct due diligence on asset pools and model expected cash flows and credit losses

Evaluate underlying asset performance (loans, credit card receivables, etc.)

Incorporate payments and losses into financial models to assess credit protection requirements

Conduct credit risk analytics across the Bank's portfolios

Ensure portfolio risk levels (delinquency, excess spread, charge-offs, etc.) are aligned with forecasts

Evaluate financial trends, policies, and underwriting processes

Inform loan loss reserves (CECL), Risk Adjusted Return (RAROC), and Return on Equity (ROE) analyses

Collaborate with cross-functional teams to support investment transactions and ongoing portfolio monitoring

Support the annual budgeting process by creating financial risk and cash flow projections

Enhance reporting and business intelligence dashboards using tools such as Tableau

Stay current on industry trends, financial regulations, and emerging technologies

Contribute to strategic initiatives to automate and streamline credit risk and portfolio analytics processes

Benefits

Paid Time Off (PTO) - Generous paid time off plus paid parental leave

Health insurance - Plans include an employer-paid medical option, dental and vision coverage, plus we offer health savings accounts

401(k) - WebBank matches up to the first 6 percent of employee contributions, and both the employee’s contributions and WebBank’s match are fully vested immediately

Life and Disability Insurance - Life insurance and long and short-term disability insurance plans are 100% employer paid

Tuition Reimbursement - WebBank provides reimbursement for classes needed to obtain certain degrees, up to $5,250 per academic year

Company

WebBank

Glassdoor4.9

East Cambridge Savings Bank is a bank specializing in finance, mortgage, and lending services.

Founded in 1997

Salt Lake City, Utah, USA

51-200 employees

http://webbank.com

H1B Sponsorship

WebBank has a track record of offering H1B sponsorships. Please note that this does not guarantee sponsorship for this specific role. Below presents additional info for your reference. (Data Powered by US Department of Labor)

Distribution of Different Job Fields Receiving Sponsorship

Represents job field similar to this job

Trends of Total Sponsorships

2025 (8)

2024 (7)

2023 (5)

2022 (10)

2021 (8)

2020 (5)