Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions 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
Perform Transaction memos approvals in a timely manner according to Business priority. Discretionary recommendation should be documented in the memo on the proposal.
Using discretion and independent judgement, perform the analysis to make recommendations to Second Line of Defense on risk ratings, classifications and proposal
Continuously monitor the covered portfolio, following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICM Risk and Banking partners
Partner with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)
Risk & Credit Underwriting:
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
Demonstrates considerable knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Displays robust industry research capabilities, including risk and key drivers
Strong understanding of Credit Policy and procedures; proactively refers to resources as needed
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
Be able to articulate orally and in writing credit recommendations for decision-makers using judgement and knowledge of the credit analysis
Leadership:
Display a deep commitment and positive attitude to Citi and colleagues
Be reliable and eager to undertake more functions and responsibilities
Embrace the need for change and appreciate its benefits with natural curiosity
Demonstrate professionalism by being reliable, actively contributing in meetings by asking questions and challenging ideas
Competencies:
Strong interpersonal skills, with the ability to build relationships
Strong organizational skills with ability and willingness to work under pressure and manage time and priorities effectively
Solid written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of various levels of seniority
Technical:
Proficient Microsoft Office (Word, Excel, and PowerPoint) skills
Progressive experience with the internal ICM Templates and with financial modeling
Qualifications:
BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
Financial Services experience including 2-3 years of credit experience in banking or credit risk management
Risk ManagementCredit DecisionsFull timeIrving Texas United States$76,230.00 - $106,370.00