Citi Group Wholesale Credit Risk Analyst - Officer 

United States, Texas, Irving 

538453930

• Assess the credit and financial strength of Citi’s counterparts 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.
• Exercise discretion and independent judgement based on the analysis performed to make recommendations to second line of defense on risk ratings, classifications and proposal.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to IRAU Team Leads, ICM Risk and Banking partners
• Partnership 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%)

• Fundamental 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 basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
• Displays basic industry research capabilities, including risk and key drivers
• Basic 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
• Able to articulate orally and in written credit recommendations for decision making using judgement and knowledge from the credit analysis

• Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
• Embraces the need for change and appreciates its benefits with natural curiosity
• Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas

• Interpersonal skills, with the ability to build relationships
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
• Strong 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
• Knowledge of Financial Modeling Concepts

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject

Anticipated Posting Close Date:

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