Credit Risk and Analysis | Associate | Warsaw

Job Description

YOUR IMPACT

How would you like to be involved in a central part of Goldman Sachs risk management framework?We are looking for a highly motivated individual who is able to deliver credit risk analysis, on the basis of a thorough understanding of credit fundamentals and risks associated with lending and derivatives products. You will play a key role in the credit risk management function supporting the EMEA team.

OUR IMPACT

The Riskbusiness is a team of specialists charged with managing the firm’s risk, and providing the overall financial control and reporting functions as well as underwriting of lending transactions . Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. Thedivision business is ideal for collaborative individuals who have strong ethics and attention to detail.

Credit Risk, a department within the Riskbusiness, works closely with Global Banking and Markets, Asset and Wealth Management and other functions of thecontrol businessesto manage Goldman Sachs’ credit risk. Credit professionals protect the firm’s capital by using in-depth knowledge of our clients credit fundamentals, credit risk mitigants, lending and trading products to make decisions on acceptable level of firm’s risk appetite. Staffed with ~350 professionals, Credit Risk operates through 10 different offices around the world and is organized by different industry groups including Corporates, Funds, Financial Institutions, Asset Financing and Private Client. Credit Risk provides a unique opportunity to develop a variety of professional skills and expertise in risk management while working on financial transactions.

The role is based in our Warsaw office, where the Credit Risk team is divided into:

• Funds Coverage (Mutual Funds, Hedge Funds, Pension Funds, Private Equity Funds)
• Financial Institutions Coverage (Banks, Brokers Dealers, Insurers, Asset managers, Non-banking Financial Institutions, Sovereign related entities)
• Product Analysis and Control Team (Macro and Micro Products, Franchise and Prime Products with a particular focus on Derivatives)

HOW YOU WILL FULFILL YOUR POTENTIAL

• Assess the credit and financial strength of counterparts by performing fundamental credit analysis of both quantitative and qualitative credit factors, including valuation, for internal ratings and lending transactions underwriting
• Collaborate with the business teams, including Global Banking & Markets, Legal, Operations to review client credit requests while ensuring the firm’s risk return needs are balanced
• Proactively monitor and assess counterparts and industry subsectors in your portfolio and report relevant information and its impact to senior management in a timely manner
• Review and approve derivative, funding and lending transactions while ensuring appropriate documentation and risk mitigants to protect against default and minimize potential losses
• Interact with regulators, internal/external auditors as part of the ongoing supervision process

SKILLS & EXPERIENCE WERE LOOKING FOR

• 0 - 3 years of prior work experience in a relevant field, preferably within credit risk management or financial analysis
• Ideal candidate will have some practical knowledge of capital market products or accounting/corporate finance
• Knowledge of derivatives, funding, and lending products and related trading documentation, would be an advantage
• Strong analytical and, preferably, financial modelling skills
• Proficient to advanced skills with MS Office (Excel, PowerPoint, Word, Outlook)
• Highly organized with exceptional attention to detail and follow-through
• Strong ability to manage multiple projects with competing deadlines
• Capability of understanding, describing, and debating complex concepts
• Ability to work in a fast-paced environment
• Broad knowledge of GS’s businesses
• Exceptional work ethic, integrity, ethical standards, sound judgment and ability to play in a team

ABOUT GOLDMAN SACHS

At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

Were committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Job Info

• Job Identification 143708
• Job Category Associate
• Posting Date 08/19/2025, 11:24 AM
• Locations Warsaw, Mazowieckie, Poland

Healthcare & Medical Services

We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally

We offer competitive vacation policies based on employee level and office location. We promote time off from work to recharge by providing generous vacation entitlements and a minimum of three weeks expected vacation usage each year.

Financial Wellness & Retirement

We assist employees in saving and planning for retirement, offer financial support for higher education, and provide a number of benefits to help employees prepare for the unexpected. We offer live financial education and content on a variety of topics to address the spectrum of employees’ priorities.

Health

We offer a medical advocacy service for employees and family members facing critical health situations, and counseling and referral services through the Employee Assistance Program (EAP). We provide Global Medical, Security and Travel Assistance and a Workplace Ergonomics Program. We also offer state-of-the-art on-site health centers in certain offices.

Fitness

To encourage employees to live a healthy and active lifestyle, some of our offices feature on-site fitness centers. For eligible employees we typically reimburse fees paid for a fitness club membership or activity (up to a pre-approved amount).

Child Care & Family Support

We offer on-site child care centers that provide full-time and emergency back-up care, as well as mother and baby rooms and homework rooms. In every office, we provide advice and counseling services, expectant parent resources and transitional programs for parents returning from parental leave. Adoption, surrogacy, egg donation and egg retrieval stipends are also available.

Benefits at Goldman Sachs

Read more about the full suite of class-leading benefits our firm has to offer.

Learn More