OPT Credit Risk Analyst Jobs
Credit Risk Analyst roles are a strong fit for F-1 OPT students with finance, economics, or statistics backgrounds. Most positions qualify as STEM OPT extensions under CIP codes like Financial Mathematics or Data Science, giving you up to 36 months of work authorization to build your career in U.S. financial services.
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Get Access To All JobsPosition Summary:
We are seeking an energetic, analytical, and self-motivated professional with at least 5 years of experience to join our Finance team. This role offers broad exposure to credit risk management, corporate insurance, treasury operations, cash flow management, and contract review, with opportunities for professional growth and future leadership. Salary $106K-125K
ESSENTIAL FUNCTIONS:
- Credit & Risk Management: Assess customer creditworthiness, establish credit limits, monitor exposure, and provide credit recommendations to support sound business decisions.
- Insurance & Risk Mitigation: Coordinate global insurance programs, manage renewals and claims, and ensure appropriate coverage for business operations and contractual requirements.
- Treasury & Cash Flow: Prepare cash flow forecasts, optimize working capital, support banking relationships and financing agreements, monitor foreign exchange exposure, and assist with liquidity planning and treasury reporting.
- Contract & Manufacturing Support: Review customer and supplier contracts for financial and risk exposure, collaborate with cross-functional teams on negotiations, and support funding and cash flow needs for supply chain and manufacturing operations.
GUIDELINES (ABILITIES, KNOWLEDGE, AND SKILLS):
- Strong financial statement analysis, commercial credit, cash management, and working capital knowledge.
- Excellent analytical, problem-solving, communication, and organizational skills.
- A proactive, detail-oriented professional who thrives in a fast-paced environment.
- Builds strong cross-functional relationships.
- Manages competing priorities.
- Eager to expand their expertise and grow into a broader leadership role.
EDUCATION/EXPERIENCE:
- Bachelor’s degree in Finance, Business, Economics, or a related field.
- At least 5 years of experience in credit, treasury, risk management, insurance, financial analysis, or corporate finance.
- Advanced Microsoft Excel skills; ERP experience (SAP, Oracle, or similar) preferred.
Preferred:
- Experience in technology, electronics manufacturing, supply chain, or international business; familiarity with commercial credit platforms, foreign exchange, or trade finance.
- Mandarin proficiency is a plus.
BENEFITS:
We offer a competitive compensation, health insurance, profit sharing and 401k matching to help you and your family build a healthy and secure future.
- Group healthcare choices that include a 100% employer paid option for employees and eligible dependents to provide strong support for employee well-being and preventative care, including comprehensive medical, dental, vision, and flexible savings account plans.
- A generous 401(K) plan with immediate matching contributions that helps build future financial security through a 401(k) plan with employer matching.
- Generous paid time off plans to renew and refresh through vacation, personal leave, holidays, and parental leave.
- On-site gym and free fitness classes to help our employees meet their health goals.
- Opportunities to give to the community.
Salary to be determined by education, experience, knowledge, skills and abilities of applicant, internal equity, and alignment with market data.
Kingston Technology Co., Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law.
If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Kingston Technology Co., Inc. Human Resources Representative.
Position Summary:
We are seeking an energetic, analytical, and self-motivated professional with at least 5 years of experience to join our Finance team. This role offers broad exposure to credit risk management, corporate insurance, treasury operations, cash flow management, and contract review, with opportunities for professional growth and future leadership. Salary $106K-125K
ESSENTIAL FUNCTIONS:
- Credit & Risk Management: Assess customer creditworthiness, establish credit limits, monitor exposure, and provide credit recommendations to support sound business decisions.
- Insurance & Risk Mitigation: Coordinate global insurance programs, manage renewals and claims, and ensure appropriate coverage for business operations and contractual requirements.
- Treasury & Cash Flow: Prepare cash flow forecasts, optimize working capital, support banking relationships and financing agreements, monitor foreign exchange exposure, and assist with liquidity planning and treasury reporting.
- Contract & Manufacturing Support: Review customer and supplier contracts for financial and risk exposure, collaborate with cross-functional teams on negotiations, and support funding and cash flow needs for supply chain and manufacturing operations.
GUIDELINES (ABILITIES, KNOWLEDGE, AND SKILLS):
- Strong financial statement analysis, commercial credit, cash management, and working capital knowledge.
- Excellent analytical, problem-solving, communication, and organizational skills.
- A proactive, detail-oriented professional who thrives in a fast-paced environment.
- Builds strong cross-functional relationships.
- Manages competing priorities.
- Eager to expand their expertise and grow into a broader leadership role.
EDUCATION/EXPERIENCE:
- Bachelor’s degree in Finance, Business, Economics, or a related field.
- At least 5 years of experience in credit, treasury, risk management, insurance, financial analysis, or corporate finance.
- Advanced Microsoft Excel skills; ERP experience (SAP, Oracle, or similar) preferred.
Preferred:
- Experience in technology, electronics manufacturing, supply chain, or international business; familiarity with commercial credit platforms, foreign exchange, or trade finance.
- Mandarin proficiency is a plus.
BENEFITS:
We offer a competitive compensation, health insurance, profit sharing and 401k matching to help you and your family build a healthy and secure future.
- Group healthcare choices that include a 100% employer paid option for employees and eligible dependents to provide strong support for employee well-being and preventative care, including comprehensive medical, dental, vision, and flexible savings account plans.
- A generous 401(K) plan with immediate matching contributions that helps build future financial security through a 401(k) plan with employer matching.
- Generous paid time off plans to renew and refresh through vacation, personal leave, holidays, and parental leave.
- On-site gym and free fitness classes to help our employees meet their health goals.
- Opportunities to give to the community.
Salary to be determined by education, experience, knowledge, skills and abilities of applicant, internal equity, and alignment with market data.
Kingston Technology Co., Inc. is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex including sexual orientation and gender identity, national origin, disability, protected Veteran Status, or any other characteristic protected by applicable federal, state, or local law.
If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Kingston Technology Co., Inc. Human Resources Representative.
See all 689+ OPT Credit Risk Analyst Jobs
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Get Access To All JobsTips for Finding OPT Sponsorship as a Credit Risk Analyst
Lead with quantitative skills
Credit risk roles prioritize candidates who can model loss probabilities and stress-test portfolios. Highlight Python, R, SAS, or SQL experience in your resume. Concrete examples of credit scoring models or default prediction work will stand out to hiring managers.
Target STEM-designated programs for OPT extension
If your degree is in Financial Mathematics, Data Science, Statistics, or a related STEM field, you qualify for a 24-month OPT extension. Confirm your CIP code with your DSO before applying, since employers weigh the extended authorization window heavily when evaluating sponsorship timelines.
Focus on regulated financial institutions
Banks, credit unions, insurance companies, and fintech lenders hire credit risk analysts regularly and have established immigration compliance teams. These employers are more familiar with OPT work authorization than smaller firms, which reduces friction during the hiring process.
Address OPT timing directly in your cover letter
State your current OPT end date and whether you qualify for the STEM extension. Employers hesitate when authorization timelines are unclear. Being upfront removes ambiguity and signals that you understand the hiring process from their compliance perspective.
Get your EAD card before your start date
Credit risk roles at banks and regulated institutions require I-9 verification before day one. Apply for your EAD at least three months before your program end date. Delays in card production can push back a confirmed start date or jeopardize the offer.
Build domain knowledge beyond your degree
Employers value candidates who understand credit cycles, Basel III capital requirements, and CECL accounting standards. Self-study through CFA Level 1 or FRM Part 1 signals genuine commitment to the field and makes OPT sponsorship feel like a lower-risk investment to hiring managers.
Credit Risk Analyst OPT: Frequently Asked Questions
Do Credit Risk Analyst jobs typically qualify for the STEM OPT extension?
Many do, but it depends on your degree, not the job title. If your bachelor's or master's is in a STEM-designated field such as Statistics, Financial Mathematics, Economics (at some institutions), or Data Science, you likely qualify for the 24-month extension. Confirm your CIP code with your DSO, and ask employers whether they are enrolled in E-Verify, which is required to authorize the extension.
Which types of employers are most likely to hire Credit Risk Analysts on OPT?
Large commercial banks, regional banks, credit card issuers, insurance companies, and fintech lenders are the most consistent hirers. These institutions have structured compliance and HR teams experienced with OPT authorization and H-1B visa sponsorship pipelines. Boutique credit funds and smaller lenders hire credit risk talent but may have less experience navigating OPT paperwork. Browse verified sponsoring employers on Migrate Mate to narrow your search to companies that actively hire international candidates.
Can I work as a Credit Risk Analyst contractor or on a short-term project basis while on OPT?
Yes, OPT permits contract and freelance work as long as it is directly related to your degree field and you work at least 20 hours per week during standard OPT. Unemployment cannot exceed 90 days on standard OPT or 150 days on STEM OPT. Contract arrangements at banks or risk consulting firms count, but make sure the work is documentable and tied to your major area of study.
How should I explain my OPT status to a Credit Risk Analyst hiring manager?
Keep it factual and brief. State that you hold a valid EAD authorizing full-time employment, your current authorization end date, and whether you qualify for the STEM extension. If your degree is STEM-designated, frame the extension as three years of authorized work before any H-1B decision is needed. Hiring managers in financial services are familiar with OPT; clarity reduces hesitation far more than avoiding the topic.
What happens to my OPT authorization if I get laid off from a Credit Risk Analyst role?
Your OPT status remains valid, but the unemployment clock starts immediately. Standard OPT allows a maximum of 90 days of unemployment, and STEM OPT allows 150 days total across both periods combined. Report any employer change or gap to your DSO promptly. If you secure a new role, your DSO updates SEVIS to reflect the new employer. Acting quickly to find your next position is essential to staying in compliance.