Institutional Credit Management

Credit Risk Senior Analysts are responsible for a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and the continuous monitoring of that portfolio. This includes the production of Annual Reviews, Quarterly Reviews, and support to Ad-Hoc Transactions, Portfolio & Industry Reviews, and Stress Testing.

The analyst is expected to have a deep understanding of credit risk, Citi's internal policies and procedures, and industry fundamentals related to the portfolio. They should require minimal supervision from their Credit Risk Team Leads and be capable of engaging in thoughtful conversations with Risk and Banking partners.

This role has responsibility for the Real Money Funds Relationships and reports directly to the APAC Real Money Funds Credit Analyst Team Lead.

• Assess the credit and financial strength of Citi's most complex Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi's Counterparties based on independent assessment and judgement from due diligence and industry knowledge to provide appropriate extensions of credit within Risk appetite
• Continuously monitor the covered portfolio, including industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners
• Review and provide recommendations on risk rating across this sector
• Partner with regional and industry stakeholders in BCMA and Independent Risk to implement credit assessment and monitoring standards for applicable portfolios
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

• Risk & Credit Underwriting:
  • Well developed analytical skills, including understanding key financial components (liquidity position, leverage) to identify root causes and trends
  • Forms independent opinions on credit and recognizes emerging risks
  • Advanced knowledge of financial statements and GAAP accounting or similar governance relevant to country of operation
  • Sets the standard for industry research capabilities and risk drivers
  • Solid understanding of Credit Policy and procedures; proactively reviews Citi policies to benchmark against transactions
  • Identifies potential risk issues and escalates them promptly
  • Leadership:
    • Displays commitment and reliability; eager to contribute
    • Embraces change with curiosity
    • Demonstrates professionalism and participates actively in meetings
    • Proven culture carrier
    • Competencies:
      • Strong interpersonal skills with ability to influence without direct authority with senior management
      • Excellent organizational skills and ability to work under pressure
      • Exceptional written and verbal communication, clear and concise across audiences of varying seniority
      • Technical:
        • Advanced Microsoft Office (Word, Excel, PowerPoint)
        • Experience with internal ICG templates and financial modeling
      Qualifications
      • Financial Services experience including at least 5 years of credit experience in Banking or Credit Risk Management
      • Proficient in Excel, Word, and PowerPoint
      • Excellent communication skills, both oral and written
      Education
      • BA/BSc in Finance or Accounting or a higher degree in Business (MBA), or related subject

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group: Risk Management

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Job Family: Credit Decisions

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Time Type: Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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