The role is focused on covering local regulatory needs within the LATAM region, analyzing the creditworthiness of individuals and entities, , recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio, ensuring fully adherence to local regulatory requirements.

Responsibilities:

• Provides risk strategic analytics and information management across Citibank products; facilitating data-quality and controls for other teams and managers.
• Provides regulatory risk project management support (business requirements, analysis and testing) for delivery of regulatory solutions.
• Performs business analysis to respond to regulatory and business questions and provide portfolio insights.
• Performs data analysis to monitor and track data quality and completeness of data.
• Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios. Identify emerging threats and implement mitigation strategies.
• Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices. Ensure the appropriateness and completeness of credit risk components, validating their usage trends.
• Communicate any potential risks to senior management, providing regular updates about the status of their Reviews.
• Is an enthusiastic and early adopter of change; takes ownership for helping others see a better future and stay positive during uncertainty.
• Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures.
• Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes.
• Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization.
• Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda
• Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities.
• Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team.
• Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness.
• Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements.
• Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals.
• Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
• Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals.
• Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community.
• Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development.
• Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities.
• Empathetically listens and understands others’ positions before acting on issues; works to amplify voices that are minimized in the workplace

Qualifications: 

• 5-8 years of experience

•              Extensive professional experience in a similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis.

•              Deep disciplinary knowledge within the field, integrated with subject matter and industry experience.

•              Advanced technical knowledge within a specific business area, including familiarity with credit risk processes, standards, and opportunities for improvement.

•              Commercial awareness and understanding of business operations and strategies, including experience in assessing business/risk staffing models.

•              Proven background in managing Corrective Action Plans related to credit risk reviews or business monitoring.

•              Advanced interpretation and analysis abilities related to financial statements and indicators.

•              Expertise in resolving complex business problems independently using analytical thinking and logical reasoning.

•              Strong communication skills to clearly convey complex information to a variety of audiences.

•              Proficiency in conducting comprehensive financial analysis, detecting potential risks, and initiating appropriate measures.

•              Ability to filter, prioritize, and validate complex and dynamic material.

•              Command of Customer Accounting Systems and Credit Platforms.

•              Experience in maintaining quality and consistency standards in Fundamental Credit Risk documents.

Education: 

• Bachelor's/University degree or equivalent experience

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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Other Relevant Skills

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

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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

 

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