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    Financial Credit Risk - Charlotte, United States - PwC

    PwC background
    Description


    A career in our Balance Sheet Management practice, within Financial Risk and Regulatory services, will provide you with the opportunity to help business leaders embed a proactive and dynamic risk management capability and mind set into their corporate business practices.

    From strategy through to implementation, we help put in place people, processes and technology so they can leverage financial risk management to identify new opportunities and pursue success as smoothly, systematically and sustainably as possible in the face of changing markets, technologies and competition.


    Our team provides our clients with gap assessments as well as design and implement processes to facilitate asset and liability management, funding and liquidity planning and stress testing, and capital management.

    You'll help build tools that enable our clients to efficiently utilise capital and liquidity resources, consistent with regulatory expectations.


    To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level.

    To help us achieve this we have the PwC Professional; our global leadership development framework.

    It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future.

    As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution.

    PwC Professional skills and responsibilities for this management level include but are not limited to:

    Use feedback and reflection to develop self awareness, personal strengths and address development areas.
    Delegate to others to provide stretch opportunities, coaching them to deliver results.
    Demonstrate critical thinking and the ability to bring order to unstructured problems.
    Use a broad range of tools and techniques to extract insights from current industry or sector trends.
    Review your work and that of others for quality, accuracy and relevance.

    Know how and when to use tools available for a given situation and can explain the reasons for this choice.

    Seek and embrace opportunities which give exposure to different situations, environments and perspectives.
    Use straightforward communication, in a structured way, when influencing and connecting with others.
    Able to read situations and modify behavior to build quality relationships.
    Uphold the firm's code of ethics and business conduct.


    As a member of the Risk & Regulatory Advisory team, you will advise financial institutions on a broad range of credit risk management topics including, organization and governance; credit process optimization; risk rating model design, build and implementation; and Current Expected Credit Losses (CECL) process and tools.

    You will work on a team evaluating, designing, and implementing credit risk strategies to support our clients in addressing key market challenges focused on credit risk.

    Job Requirements and Preferences

    :

    Basic Qualifications

    :

    Minimum Degree Required

    :

    Bachelor Degree

    Minimum Years of Experience

    :

    3 year(s)

    Preferred Qualifications

    :

    Degree Preferred

    :

    Master Degree

    Preferred Fields of Study

    :

    Business Administration/Management, Mathematics, Statistics, Finance, Accounting, Economics

    Preferred Knowledge/Skills

    :

    Demonstrates a thorough level of abilities and/or a proven record of success in how to lead or facilitate relevant project management or client consultations in the areas of credit-related activities and credit risk management, preferably in some combination of the following areas:


    Collaborating and/or playing a significant role in commercial and retail lending and credit process redesign initiatives, such as streamlining credit approval processes (including artificial intelligence), better aligning deal team execution and delivery to client segmentation schemes, implementing credit process redesign initiatives (e.g.

    , target operating model for credit lifecycle), redesigning risk management organization or functional responsibilities, enhancing loan review processes, and/or enhancing loss mitigation/recovery processes;
    Familiarity with conducting credit risk processes, performing underwriting, credit analysis and assigning risk ratings (e.g., single, and dual risk rating frameworks), writing and reviewing risk management policies and procedures, 1st and 2nd line of defense experience;

    Developing, applying, and validating commercial and retail credit risk methodologies including obligor and facility risk rating (e.g., PD, LGD, EAD) models, pricing models, etc.

    ;
    Creating and executing design and application of commercial and retail credit risk reporting and analytics in a financial services organization;
    Possessing knowledge of Allowance for Credit Losses, including methodology, models, and US GAAP requirements under Current Expected Credit Losses (CECL) and knowledge of IFRS 9;

    Selecting, implementing and/or using commercial and retail credit risk workflow, analytic tools - e.g., Moody's, S&P, nCino, and/or, reporting technologies.

    Possessing familiarity with commercial and retail credit regulatory guidance covering CECL, credit risk review systems, underwriting/annual reviews; and,
    Possessing completion of a formal credit training program.
    Demonstrates a thorough level of abilities and/or a proven record of success with designing and implementing process improvement solutions, leveraging PC applications including MS Office (Word, Excel, Access, PowerPoint), where applicable, including:


    Leveraging know-how of a wide range of commercial and retail loan types, including C&I, CRE, ABL, Leasing, Project Finance, Leveraged Lending, fund financing, etc.

    ;
    Operating successfully as both an individual contributor and team member, identifying and addressing client needs. Preparing, coordinating, and delivering complex written and verbal materials to clients and senior management (e.g., PPT presentations, summary reports/ memos, oral presentations);
    Collaborating with teams to create a proven atmosphere of trust, seeking diverse views to encourage improvement and innovation, and coaching staff, including providing timely meaningful written and verbal feedback;
    Identifying and addressing client needs by building and maintaining trust (e.g., client relationship management);
    Considering cross-cultural differences, seeking diverse views to encourage improvement and innovation, and fostering a global mindset for the team;
    Demonstrating experience in working with and managing on-shore and off-shore teams;
    Demonstrating thorough ability to communicate project goals and objectives, project status and deliverables, building consensus and presenting standard industry practices/point of view effectively; and,
    Keeping leadership informed of progress and issues.

    Learn more about how we work
    :

    PwC does not intend to hire experienced or entry level job seekers who will need, now or in the future, PwC sponsorship through the H-1B lottery, except as set forth within the following policy
    :


    All qualified applicants will receive consideration for employment at PwC without regard to race; creed; color; religion; national origin; sex; age; disability; sexual orientation; gender identity or expression; genetic predisposition or carrier status; veteran, marital, or citizenship status; or any other status protected by law.

    PwC is proud to be an affirmative action and equal opportunity employer.

    For positions in California, Colorado, Hawaii, Nevada, New York State, or Washington State, or for opportunities that will report to a supervisor, office or other work site in New York State, please visit the following link for pay range information
    :

    #J-18808-Ljbffr


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