Credit Risk Analyst at Raymond James in Saint Petersburg, FL

Job Description Summary

We’re seeking a curious, analytical, and tech-savvy Credit Risk Analyst to help transform how we monitor and manage credit portfolio risk. In this role, you’ll combine strong financial acumen with modern data tools—automation, dashboards, and AI—to uncover insights that directly inform senior leadership and shape high-level decision-making.
If you’re energized by diving into data, identifying emerging trends, and translating complex analysis into clear, actionable recommendations, this is an opportunity to make a measurable impact while accelerating your career in credit risk.
You’ll work in a collaborative, data-driven environment alongside cross-functional partners and senior leaders who value thoughtful insight and innovation. Along the way, you’ll gain exposure to advanced modeling techniques and risk frameworks, building a strong foundation for growth.
This role offers meaningful career mobility, with pathways into credit risk leadership, quantitative analytics, portfolio management, and model development—making it an ideal next step for someone eager to deepen their expertise and expand their influence.

Job Description

Please note: This role is not eligible for immigration Work Visa sponsorship, either currently or in the future.

Essential Duties and Responsibilities

• Develop a comprehensive understanding of the business line’s credit memos and underwriting criteria and credit decision drivers.
• Monitor and report key trends of the firm’s Key Credit Risk indicators
• Analyze market activity, industry trends, and news flow to identify developing risks that could impact the credit portfolio.
• Use automation and AI-enhanced tools to surface early-warning signals and portfolio themes.
• Conduct research on industries, credit topics, and macro trends relevant to portfolio risk.
• Transform findings into concise, high-quality insights for senior management and Board-level reporting.
• Maintain and enhance automated monitoring processes, dashboards, and data feeds.
• Partner with stakeholders across Credit Risk, Data & Technology, and other business teams to strengthen risk oversight and analytical capabilities.
• Develop a comprehensive understanding of the business line’s credit memos and underwriting criteria and credit decision drivers.
• Monitor and report key trends of the firm’s Key Credit Risk indicators
• Analyze market activity, industry trends, and news flow to identify developing risks that could impact the credit portfolio.

Knowledge, Skills, and Abilities

Knowledge of

• Fundamental concepts, practices and procedures of risk management.
• Fundamental concepts of financial markets and products.

Skill in

• Excellent written communication skills with the ability to distill complex topics clearly.
• Proficiency in Excel; exposure to SQL, Python, Power BI, or Tableau is a plus.
• Strong analytical and critical thinking skills

Ability to

• Interest in credit risk, data automation, and AI technologies
• Ability to interpret financial and non-financial information
• Intellectual curiosity and eagerness to learn.

Educational/Previous Experience Requirements

• Bachelor’s Degree in finance, Economics, Statistics, Data Analytics, Business, or related field.
• 2–3 years of experience in financial services, preferably in credit risk, risk analytics, or portfolio management.
• OR ~
• Any equivalent combination of education, training or experience approved by Human Resources.

Education

Bachelor’s: Business Administration, Bachelor’s: Economics, Bachelor’s: Finance

Work Experience

General Experience - 13 months to 3 years

Certifications

Travel

Less than 25%

Workstyle

Hybrid

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. 

We expect our associates at all levels to:
•  Grow professionally and inspire others to do the same
•  Work with and through others to achieve desired outcomes
•  Make prompt, pragmatic choices and act with the client in mind
•  Take ownership and hold themselves and others accountable for delivering results that matter
•  Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates.  When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs. 

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