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Risk Analyst Associate

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Hilltop Holdings

2mo ago

  • Job
    Full-time
    Junior & Mid Level
  • Accounting & Tax
    Banking & Finance
  • Dallas

AI generated summary

  • You need a bachelor’s in business/finance, 1-3 years in credit analysis, strong PC skills, communication abilities, and experience in data analytics and capital markets. Self-motivated and detail-oriented.
  • You will analyze financial statements, prepare written reports on market conditions, assess counterparty risks, collect industry data, and present findings at management meetings.

Requirements

  • Bachelor’s degree in business or related field or equivalent experience required. Accounting or Finance degree strongly preferred
  • 1 to 3 years of experience in credit analysis required, preferably in commercial loans.
  • Working knowledge of the capital markets and various traded products
  • Excellent verbal, written and interpersonal communication skills
  • Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems
  • Experience with data analytics, report preparation, and data visualization using tools such as Excel, Python, SQL, Power BI, and PowerPoint a plus
  • Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment
  • Must be self-motivated with strong initiative, ability to work effectively across the enterprise, accountability, and attention to detail.

Responsibilities

  • Analyzes financial statements (including performance ratios) of all levels of quality to develop initial assessment by identifying strengths and weaknesses as pertaining to the counterparty’s historical operating performance
  • As required, prepares written analyses which include:
  • Economic and market conditions as they relate to the industry, and specific trading segments and related market risk impacts
  • In-depth historical financial analysis
  • In-depth analysis of a guarantor’s financial position, as applicable
  • Identifies counterparty's strengths and weaknesses, key risks, and structural aspects of trading activity
  • Identifies drivers of financial performance for banks, broker dealers, asset managers and their related funds, and municipalities
  • Collects and maintains industry data, including regulatory actions; researches industry specific information from outside sources, industry publications, credit agencies, regulatory entities, as well as accessing information through the internet
  • Attends management committees, as appropriate, to be available to answer questions regarding credit analyses as necessary; often presents the counterparty underwriting to the committee.
  • Participates in ad hoc meetings, special projects, and reviews as requested

FAQs

What are the educational requirements for the Risk Analyst Associate position?

A Bachelor’s degree in business or a related field is required, with a strong preference for degrees in Accounting or Finance.

How much experience is required for this role?

The position requires 1 to 3 years of experience in credit analysis, preferably in commercial loans.

What skills are necessary for the Risk Analyst Associate role?

Candidates should possess excellent verbal, written, and interpersonal communication skills, strong analytical, time management, organizational, and problem-solving skills. Proficiency in Microsoft Office products and experience with data analytics and visualization tools such as Excel, Python, SQL, Power BI, and PowerPoint are also preferred.

Is experience in capital markets necessary for this role?

Yes, a working knowledge of the capital markets and various traded products is required for the Risk Analyst Associate position.

What type of analysis will the Risk Analyst Associate be involved in?

The associate will conduct analyses of financial statements, economic and market conditions, historical financial performance, and counterparty assessments to identify risks and strengths.

How often will the Risk Analyst Associate participate in management committees?

The associate will attend management committees as appropriate to present credit analyses and answer questions regarding counterparty underwriting.

What type of work environment can the Risk Analyst Associate expect?

The role includes a deadline-driven environment where multitasking is essential, and the candidate must be self-motivated and capable of working effectively across the enterprise.

Will there be opportunities for professional development in this role?

Yes, Hilltop Holdings is committed to professional development and growth, focusing on soft skills, technical skills, and industry knowledge as part of their team culture.

What is the mission of the Risk Advisory department?

The Risk Advisory department aims to assist management in identifying, measuring, and monitoring threats to strategic and management objectives through systematic risk assessments and development of risk metrics.

What companies are part of Hilltop Holdings?

Hilltop Holdings includes PlainsCapital Bank, PrimeLending, and HilltopSecurities as its primary subsidiaries, offering a diverse range of financial services.

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Hilltop Holdings

Seeking to generate shareholder value by building a premier Texas-based diversified financial services holding company.

Finance
Industry
1001-5000
Employees

Mission & Purpose

Hilltop Holdings is a Dallas-based financial holding company focused on providing business and consumer banking services from offices located throughout Texas through PlainsCapital Bank, the sixth largest Texas-based bank by deposits. PlainsCapital Bank’s wholly owned subsidiary, PrimeLending, provides residential mortgage lending throughout the United States. Hilltop Holdings’ broker-dealer subsidiaries, Hilltop Securities Inc. and Hilltop Securities Independent Network Inc., provide a full complement of securities brokerage, institutional and investment banking services in addition to clearing services and retail financial advisory. The Hilltop Holdings family of companies employs approximately 4,800 people and operated approximately 420 locations in 48 states.