EY focuses on high-ethical standards and integrity among its employees and expects all candidates to demonstrate these qualities. At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all. Business Consulting Senior, Financial Services Risk Management – Credit Risk: This position could be located in NY (primary), NC, IL, GA, TX. EY is the only professional services firm with a separate business unit (Financial Services Office - “FSO”) that is dedicated to the financial services marketplace. Our FSO teams have been at the forefront of every event that has reshaped and redefined the financial services industry. If you have a passion for rallying together to solve the most complex challenges in the financial services industry, come join our dynamic FSO team! The Credit Risk practice offers global and regional financial services clients the assistance needed to enhance their credit risk management capabilities in a rapidly changing business environment. We assemble experienced multidisciplinary teams, use consistent and proven global methodologies, and draw on the full breadth of EY’s global reach, depth of capabilities, and knowledge. The objective of our Credit Risk practice is to support financial services organizations as they seek to enhance their credit risk management capabilities. You can expect to work with clients on a variety of challenging engagements, including but not limited to target operating model design and implementation, functional assessments, transformation initiatives, governance enhancement, and climate risk initiatives. The opportunity: You will have the chance to be part of a fast-moving, high-growth company. We offer variety, challenge, responsibility, and the opportunity to realize your leadership potential. You will support diverse client engagement teams to provide meaningful insights across financial services subject matters. In return, you can expect leading class learning and development tailored to your interests and motivations. You will also work on challenging projects alongside some of the most engaging and knowledgeable colleagues in the business. If you are interested in being part of a dynamic team, serving clients, and reaching your full potential, EY Consulting is for you! Your key responsibilities: As a Senior Consultant, you’re likely to spend most of your time on operational and technical aspects of client business. That means developing an in-depth understanding of our clients’ unique needs and goals. The Senior Consultant will take direction and guidance from both project team and client resources. You will be specifically responsible for supporting the delivery of a project workstream, creating and reviewing work products, ensuring consistent delivery across peers and team members, responding to client requests, delegating tasks and overseeing junior level resources, and supporting engagement operations. A Senior Consultant is also expected to contribute to internal EY initiatives and business development, in addition to client facing work, to further the development of our brand, our business, and our people. Skills and attributes for success: + Ability to learn quickly and adapt to new scenarios, circumstances, and projects + Develop and maintain client relationships at appropriate levels + Ability to translate ideas and information into clear and compelling client presentations + Relentlessly deliver exceptional client service + Consistently mentor and develop your peers and junior team members + Support the development and delivery of high-quality work products + Strong communication, critical thinking, analytical, problem solving, and managerial skills + Ability to provide constructive feedback and coaching to junior team members, and fostering an innovative and inclusive, team-oriented work environment + Strong team building and collaboration skills + Staying abreast of industry trends relevant to our clients’ businesses To qualify for the role, you must have: + Bachelor’s degree in finance, economics, accounting, engineering or a related discipline; an MBA or Master’s is a plus + 2+ years of relevant experience in in financial services (e.g., Consulting, Program/Project Management, Banking (Client Front Office, Underwriting, Portfolio Management, Credit Analysis, etc.), ratings agency, regulatory organization) or a graduate degree and approximately 1+ years of related work experience or a graduate degree and approximately 1+ years of related work experience + Strong written and verbal communication, presentation, client service, and problem-solving skills, coupled with a strong interest in further developing industry and deep content knowledge in the Credit Risk space + Ability to travel – you will likely spend a significant amount of time on-site with our clients. This travel can be as much as 80% to 100% of a work week at times + A willingness to operate under a hybrid work environment (typically 40 to 60% of the week in an EY office with your team when not on-site with a client) Ideally, you’ll also have experience in: + Strong understanding of the credit lifecycle (e.g., sales/origination, underwriting, fulfillment, servicing, loan accounting, monitoring, and default) + Demonstrable experience working as part of a cross-functional or multi-disciplinary team + Strong executive presentation skills, with the ability to influence peers and management + Experience with process improvement or process optimization + Foundational knowledge of regulations or supervisory guidelines impacting Credit Risk Management functions (e.g., OCC Heightened Standards) + Foundational knowledge of Counterparty Credit Risk products (e.g., derivatives, repurchase agreements, securities lending, and prime brokerage/margin loans) and concepts (e.g., potential future exposure (PFE), settlement risk, wrong way risk (WWR), risk factor sensitivities, counterparty stress testing and capital) What we look for: We’re interested in natural leaders with a genuine creative vision and the confidence to make it happen. You can expect plenty of autonomy in this role, so you’ll also need the ability to take initiative and seek out opportunities to improve our current relationships and processes. If you have a genuine passion for helping businesses achieve their full potential, this role is for you. What working at EY offers: We offer a competitive compensation package where you’ll be rewarded based on your performance and recognized for the value you bring to our business. In addition, our Total Rewards package includes medical and dental coverage, both pension and 401(k) plans, flexible vacation time to use at your discretion for rest, recreation, and personal activities, 19 observed holidays, and a range of programs and benefits designed to support your physical, financial and social well-being. Plus, we offer: + A collaborative environment where everyone works together to create a better working world + The opportunity to manage a portfolio of talent within a designated service line + Excellent training and development prospects, both through established programs and on-the-job training + An excellent team of senior colleagues, dedicated to managing and varying your workload About EY As a global leader in assurance, tax, transaction and consulting services, we hire and develop the most passionate people in their field to help build a better working world. This starts with a culture that believes in giving you the training, opportunities and creative freedom to make things better. So that whenever you join, however long you stay, the exceptional EY experience lasts a lifetime. Join us in building a better working world. Apply now. EY, an equal employment opportunity employer (Females/Minorities/Protected Veterans/Disabled), values the diversity of our workforce and the knowledge of our people. **What we offer** We offer a comprehensive compensation and benefits package where you’ll be rewarded based on your performance and recognized for the value you bring to the business. The salary range for this job in most geographic locations in the US is $90,600 to $149,600. The salary range for New York City Metro Area, Washington State and California (excluding Sacramento) is $108,700 to $170,000. Individual salaries within those ranges are determined through a wide variety of factors including but not limited to education, experience, knowledge, skills and geography. In addition, our Total Rewards package includes medical and dental coverage, pension and 401(k) plans, and a wide range of paid time off options. Under our flexible vacation policy, you’ll decide how much vacation time you need based on your own personal circumstances. You’ll also be granted time off for designated EY Paid Holidays, Winter/Summer breaks, Personal/Family Care, and other leaves of absence when needed to support your physical, financial, and emotional well-being. + **Continuous learning:** You’ll develop the mindset and skills to navigate whatever comes next. + **Success as defined by you:** We’ll provide the tools and flexibility, so you can make a meaningful impact, your way. + **Transformative leadership:** We’ll give you the insights, coaching and confidence to be the leader the world needs. + **Diverse and inclusive culture:** You’ll be embraced for who you are and empowered to use your voice to help others find theirs. EY accepts applications for this position on an on-going basis. **If you can demonstrate that you meet the criteria above, please contact us as soon as possible.** EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today. For those living in California, please click here for additional information. EY is an equal opportunity, affirmative action employer providing equal employment opportunities to applicants and employees without regard to race, color, religion, age, sex, sexual orientation, gender identity/expression, pregnancy, genetic information, national origin, protected veteran status, disability status, or any other legally protected basis, including arrest and conviction records, in accordance with applicable law.  EY is committed to providing reasonable accommodation to qualified individuals with disabilities including veterans with disabilities. If you have a disability and either need assistance applying online or need to request an accommodation during any part of the application process, please call 1-800-EY-HELP3, select Option 2 for candidate related inquiries, then select Option 1 for candidate queries and finally select Option 2 for candidates with an inquiry which will route you to EY’s Talent Shared Services Team (TSS) or email the TSS at ssc.customersupport@ey.com