The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams.

ICG Risk Analysis (IRAUs) is an integral part of the Institutional Credit Management (“ICM”) organization.  The IRAU’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICG Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.

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

This role has responsibility for the portfolio of designated industry relationships and the role reports directly to the ICG Risk Analysis (IRAU) Credit Risk Team Lead.

Responsibilities:

• Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration.
• Manages the risk associated with new and existing borrowing relationships through the following:
• Performs spreads of client business financial statements
• Creates Customer Accounting Systems’ through Credit Platform
• Recognizes potential client risk through early warning systems
• Performs periodic financial statement review
• Tracks established financial covenants
• Monitors compliance to borrowing base credit facility
• Accompanies Underwriting Manager on customer site visits (when appropriate)
• Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
• Assess the credit and financial strength of Citi’s Large Corporate 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 completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners
• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

Qualifications:

• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.
• Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis
• Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to identify root causes and trends and anticipate horizon issues

Skills/Competencies:

• Business Proficient in Japanese and English
• Assists colleagues in identifying stretch opportunities to elevate individual and team performance
• Proven culture carrier
• Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Microsoft Office (Word, Excel, and PowerPoint) skills

Education:

• Bachelor’s/University degree or equivalent experience

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

Take the next step in your career, apply for this role at Citi today

https://jobs.citi.com/dei

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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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