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Sr. Credit Risk Analyst

Sr. Credit Risk Analyst

Lincoln FinancialBroomall, PA, US
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Sr. Credit Risk Analyst

We're excited to bring on a Senior Credit Risk Analyst in the Investment Risk team, to our Chief Risk Office. In this role, you will contribute to the execution of Lincoln's Enterprise Risk Management (ERM) risk framework, with a focus on investment-related risk. You will ensure Lincoln's credit exposures are effectively identified, assessed, quantified, monitored, and managed in alignment with regulatory requirements, business objectives, and the company's risk appetite. This position plays a critical role in developing insightful, actionable risk analytics and governance that support enterprise decision-makingparticularly on the asset side of the balance sheet.

Credit Risk Analysis, Modelling & Reporting

  • Conduct credit risk analysis under stress scenarios and calculate credit economic capital requirements for Lincoln and its subsidiaries.
  • Apply deep expertise in credit risk modelling to explain stress loss through risk driver analysis including decomposition and attribution techniques.
  • Communicate complex model outputs effectively to diverse audiences in a simple, concise, and accessible manner.
  • Oversee the design and implementation of robust credit risk reporting tools and analytics to deliver actionable insights.
  • Streamline and automate reporting processes to enhance efficiency, accuracy, and scalability.

Risk Governance & Framework Development

  • Execute stress test projections in accordance with Lincoln's Risk Appetite Framework.
  • Support the development and implementation of investment guidelines informed by credit risk analysis.
  • Recommend credit risk limits and present risk insights and analysis to senior management, investment committees, and internal stakeholders.
  • Monitor credit rating migrations, credit spreads, default and loss projections and provide timely updates with early warning recommendations.

    • Market Intelligence & Strategic Collaboration

  • Stay current on macroeconomic trends, emerging market developments, and regulatory changes impacting portfolio risk.
  • Foster alignment across Risk, Investment, Finance, Treasury, and other key stakeholders in the development and interpretation of stress testing inputs and results.
  • Assist in financial planning, strategic asset allocation and scenario analysis.
  • Conduct deep-dive risk assessments on new and evolving asset classes.

    • What We're Looking For

    Must Have

  • Master's degree in finance, Economics, Statistics, Financial Engineering, or a related quantitative field required
  • 5-7 years+ of experience in credit risk, with credit risk management experience in the life insurance industry
  • Deep understanding of fixed income instruments and alternative investments
  • Proven analytical skills with the ability to translate complex data into actionable insights.
  • Strong communication skills, with the ability to clearly present technical concepts to both technical and non-technical audiences.
  • Self-motivated and collaborative team player with the ability to work independently and cross-functionally.
  • Advanced proficiency in Excel, PowerPoint, and VBA.
  • Experience with statistical tools and programming languages such as SQL, Python, or R.
  • Familiarity with business intelligence tools like Power BI.

    • Nice to Have

  • Experience with Strategic Asset Allocation (SAA), with exposure to specialty asset classes such as CLOs, ABS, and MBS.
  • Strong understanding of U.S. regulatory frameworks such as NAIC and RBC, as well as Bermuda regulatory frameworks, including BMA guidelines and BSCR methodologies.
  • CFA, FRM, or CQF designation preferred or in progress.
  • Experience with data and modelling tools (e.g., Moody's RiskFrontier, Bloomberg, Intex, or FactSet).

    • Application Deadline

    Applications for this position will be accepted through October, 31, 2025, subject to earlier closure due to applicant volume.

    What's it like to work here?

    At Lincoln Financial, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

    What's in it for you :

  • Clearly defined career tracks and job levels, along with associated behaviors for each of Lincoln's core values and leadership attributes
  • Leadership development and virtual training opportunities
  • PTO / parental leave
  • Competitive 401K and employee benefits
  • Free financial counseling, health coaching and employee assistance program
  • Tuition assistance program
  • Work arrangements that work for you
  • Effective productivity / technology tools and training

    • The pay range for this position is $93,300 - $169,700 with anticipated pay for new hires between the minimum and midpoint of the range and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln's total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln's standard benefits package.

    About The Company

    Lincoln Financial (NYSE : LNC) helps people to confidently plan for their version of a successful future. We focus on identifying a clear path to financial security, with products including annuities, life insurance, group protection, and retirement plan services.

    With our 120-year track record of expertise and integrity, millions of customers trust our solutions and service to help put their goals in reach.

    Lincoln Financial Distributors, a broker-dealer, is the wholesale distribution organization of Lincoln Financial. Lincoln Financial is the marketing name for Lincoln Financial Corporation and its affiliates including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Lincoln Financial affiliates, their distributors, and their respective employees, representatives and / or insurance agents do not provide tax, accounting or legal advice.

    Lincoln is committed to creating an inclusive environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

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    Credit Risk Analyst • Broomall, PA, US