Transaction Banking, Credit Risk Management, Analyst Dallas · · Analyst
Goldman Sachs Bank AG, Dallas, Texas, United States, 75215
Transaction Banking, Credit Risk Management, Analyst location_on Dallas, Texas, United States
We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms.
We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross-border and cross-currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.
Role Summary We are seeking a motivated and detail-oriented Analyst to join TxB Credit Risk team, as part of the broader TxB global first line of defense risk team. This role will focus on activities related to the extension of payment settlement lines to TxB clients, to support the client’s overall payment and liquidity management activities.
The ideal candidate will possess a foundational understanding of credit risk principles and a strong interest in leveraging technology to enhance risk management processes.
Responsibilities
Credit Review:
Assist in the review of credit line requests, including evaluating credit worthiness of clients and calibration of appropriate line size in alignment with risk appetite
Credit Monitoring:
Assist in timely monitoring, reporting and escalation of intraday exposures and any potential overnight overdrafts / breaches
Reporting:
Prepare and distribute periodic and ad-hoc reports on intraday credit exposures, limit utilization, and potential risk events
Data Analysis:
Analyze transaction data and credit metrics to identify trends and anomalies that may indicate heightened credit risk
Documentation:
Assist in the development and maintenance of credit risk policies, procedures, and documentation
Collaboration:
Partner with client coverage, operations, and technology teams to troubleshoot data issues, streamline reporting processes, and optimize risk management tools for enhanced performance
Technology Adoption:
Contribute to the evaluation, development, and implementation of new digital solutions and tools to streamline workflows and improve the overall efficiency of risk management processes
Qualifications
Bachelor’s degree in finance, economics, or a related quantitative field
1-3 years of experience in a credit risk or related role, preferably within transaction banking or payments
Basic understanding of credit risk principles, including exposure measurement, limit management, and risk mitigation techniques
Familiarity with transaction banking products and services, such as payments and cash management
Strong analytical and problem-solving skills, with the ability to interpret data and identify trends
Proficiency in Microsoft Excel and other data analysis tools.
Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
Skills
Data Analysis
ReportingTransaction Banking
Regulatory Compliance
Communication
Problem Solving
Microsoft Office – Excel and PowerPoint
Healthcare & Medical Insurance We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.
Financial Wellness & Retirement We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.
Health Services We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state‑of‑the‑art on‑site health centers in certain offices.
Fitness To encourage employees to live a healthy and active lifestyle, some of our offices feature on‑site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre‑approved amount).
Child Care & Family Care We offer on‑site child care centers that provide full‑time and emergency back‑up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.
Benefits at Goldman Sachs Read more about the full suite of class‑leading benefits our firm has to offer.
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We aim to build a modern and digital-first transaction banking solution to serve our clients. Our business combines the strength, heritage, and expertise of a 150-year-old firm with the agility and entrepreneurial spirit of a tech start-up. Our goal is to provide a best-in-class digital product that helps clients to succeed by giving them a holistic view of their business. Through the use of modern technology built on the cloud, we are the alternative to legacy platforms.
We provide our clients a simple, intuitive, secure, and frictionless experience for domestic, cross-border and cross-currency payments. Simplifying payments, making it just as easy to pay someone across the globe as it is to pay someone around the corner. We’re a team of diverse experts helping our clients to build the future of their Treasury.
Role Summary We are seeking a motivated and detail-oriented Analyst to join TxB Credit Risk team, as part of the broader TxB global first line of defense risk team. This role will focus on activities related to the extension of payment settlement lines to TxB clients, to support the client’s overall payment and liquidity management activities.
The ideal candidate will possess a foundational understanding of credit risk principles and a strong interest in leveraging technology to enhance risk management processes.
Responsibilities
Credit Review:
Assist in the review of credit line requests, including evaluating credit worthiness of clients and calibration of appropriate line size in alignment with risk appetite
Credit Monitoring:
Assist in timely monitoring, reporting and escalation of intraday exposures and any potential overnight overdrafts / breaches
Reporting:
Prepare and distribute periodic and ad-hoc reports on intraday credit exposures, limit utilization, and potential risk events
Data Analysis:
Analyze transaction data and credit metrics to identify trends and anomalies that may indicate heightened credit risk
Documentation:
Assist in the development and maintenance of credit risk policies, procedures, and documentation
Collaboration:
Partner with client coverage, operations, and technology teams to troubleshoot data issues, streamline reporting processes, and optimize risk management tools for enhanced performance
Technology Adoption:
Contribute to the evaluation, development, and implementation of new digital solutions and tools to streamline workflows and improve the overall efficiency of risk management processes
Qualifications
Bachelor’s degree in finance, economics, or a related quantitative field
1-3 years of experience in a credit risk or related role, preferably within transaction banking or payments
Basic understanding of credit risk principles, including exposure measurement, limit management, and risk mitigation techniques
Familiarity with transaction banking products and services, such as payments and cash management
Strong analytical and problem-solving skills, with the ability to interpret data and identify trends
Proficiency in Microsoft Excel and other data analysis tools.
Excellent communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
Skills
Data Analysis
ReportingTransaction Banking
Regulatory Compliance
Communication
Problem Solving
Microsoft Office – Excel and PowerPoint
Healthcare & Medical Insurance We offer a wide range of health and welfare programs that vary depending on office location. These generally include medical, dental, short-term disability, long-term disability, life, accidental death, labor accident and business travel accident insurance.
Financial Wellness & Retirement We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.
Health Services We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state‑of‑the‑art on‑site health centers in certain offices.
Fitness To encourage employees to live a healthy and active lifestyle, some of our offices feature on‑site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre‑approved amount).
Child Care & Family Care We offer on‑site child care centers that provide full‑time and emergency back‑up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.
Benefits at Goldman Sachs Read more about the full suite of class‑leading benefits our firm has to offer.
#J-18808-Ljbffr