Sr Consultant, Credit & Political Risk; Credit Risk Analyst

Job Conditions

Overtime Eligibility:
Not Eligible (Exempt)

Working Conditions:

Normal office environment.

We are seeking a highly analytical Credit & Political Risk professional to support the assessment and ongoing management of credit and political risks across a diverse portfolio. The role focuses on reviewing financial statements, analyzing counter party and country risk, and developing quantitative and qualitative risk models to support underwriting, monitoring, and strategic decision‑making.

• Analyze and interpret financial statements, cash flow forecasts, and operating metrics to assess counter party creditworthiness.
• Evaluate corporate, sovereign, sub-sovereign, and project‑related financial risks, including liquidity, leverage, and profitability.
• Conduct trend, peer, and stress analyses to identify emerging credit risks.
• Leverage credit and equity research to analyze industry trends, competitive landscape, and market dynamics.

• Assess country, sovereign, and political risks, including macroeconomic trends, fiscal and external vulnerabilities, regulatory frameworks, and geopolitical developments.
• Incorporate political risk considerations into credit assessments, ratings, and exposure recommendations.
• Monitor changes in political, economic, and regulatory environments and assess potential impacts on assigned exposures.

• Develop, enhance, and maintain credit risk and political risk models, scoring tools, and rating methodologies.
• Contribute to the design of stress testing, scenario analysis, and early warning indicators.
• Ensure models and frameworks are well‑documented, robust, and aligned with internal risk governance standards.

• Perform ongoing monitoring of assigned credits, including covenant analysis, limit management, and review of financial updates.
• Prepare credit reviews, risk memos, and monitoring reports for internal committees and senior management.
• Support portfolio analytics, including concentration, correlation, and exposure analysis.

• Collaborate with underwriting, structuring, portfolio management, and senior risk leaders.
• Present risk assessments, conclusions, and recommendations clearly to credit committees and internal stakeholders.
• Participate in cross‑functional initiatives to enhance risk analytics and decision‑making tools.

May perform other responsibilities as assigned.

Reports to Director, Credit & Political Risk.

• Education:
  
  Bachelor’s degree required; MBA or master’s degree in finance, economics, or accounting a plus.
• License/Certification/Designation: CPA/CFA a plus.
• Experience:
  
  10+ years developing risk models, scorecards, or quantitative analytical tools.
• Strong foundation in financial statement analysis and credit evaluation.
• Experience working with risk models, scorecards, or quantitative analytical tools.
• Knowledge of sovereign, political, and emerging market risk factors.
• Good communication and interpersonal skills.
• Prior underwriting credit authority.
• Advanced proficiency in Excel; experience with analytics tools, databases, or programming strongly preferred.
• Other criteria, including leadership skills, competencies, and experiences, may take precedence.

Regularly and consistently demonstrates the Nationwide Values.

• Medical, dental, and vision coverage.
• Life insurance.
• Short‑term and long‑term disability coverage.
• Paid time off: minimum of 18 days, prorated quarterly.
• Nine paid holidays and 8 hours of Lifetime paid time off.
• 8 hours of Unity Day paid time off.
• 401(k) with company match.
• Company‑paid pension plan.
• Business casual attire.
• Other benefits available.

• National salary range for Sr. Consultant, Credit & Political Risk: $ – $.
• Expected starting salary range: $ – $.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected, and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic protected by applicable law.