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**Alternate Locations:** Radnor, PA (Pennsylvania); Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut)

Work Arrangement:

Hybrid Preferred : Preferred employee will work 3 days a week in a Lincoln office

**Relocation assistance:** is not available for this opportunity.

**Requisition #:** 75106

The Role at a Glance

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-making—particularly on the asset side of the balance sheet.

What you'll be doing

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.

+ Folster 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 (https://www.lincolnfinancial.com/public/aboutus/careers/lifeatlincoln#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 (https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/diversityinclusion) 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.

Follow us on Facebook (https://www.facebook.com/lincolnfinancial/) , X (https://mobile.twitter.com/lincolnfingroup) , LinkedIn (https://www.linkedin.com/company/lincolnfinancial/) , Instagram (https://www.instagram.com/lincolnfinancial/) , and YouTube (https://www.youtube.com/@Lincoln\_Financial) . For the latest company news, visit our newsroom (https://www.lincolnfinancial.com/public/aboutus/newsroom) .

Be Aware of Fraudulent Recruiting Activities

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at [email protected] if you encounter a recruiter or see a job opportunity that seems suspicious.

Additional Information

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial are considered property of Lincoln Financial and are not subject to payment of agency fees.

Lincoln Financial ("Lincoln" or "the Company") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex, age, national origin or disability. Opportunities throughout Lincoln are available to employees and applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558.

This Employer Participates in E-Verify. See the E-Verify (https://www.e-verify.gov) notices.

Este Empleador Participa en E-Verify. Ver el E-Verify (https://www.e-verify.gov/es) avisos.

Lincoln Financial Group ("LFG") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information. Opportunities throughout LFG are available to employees and applicants and are evaluated on the basis of job qualifications. We have a drug free work environment and we perform pre-employment substance abuse testing.