Citi Group Citi Community Capital Portfolio Multifamily 

Costa Rica, Nicoya 

643957700

• Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
• Implement initiatives to ensure consistency and compliance with credit policies
• Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing
• Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity
• 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

• 5-8 years relevant experience
• Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
• Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
• Extensive knowledge of SAS or SQL programming and literacy with MS Office software required

• Bachelor’s/University degree or equivalent experience

• Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos
• Drafting of Credit Approval Memo (CAM) packages including but not limited to ensuring they are complete andaccurate
• Conducting initial financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depthanalysis
• Support relationships with key stakeholders in Banking and Risk and with key Regulators, Internal Audit, and controlfunctions
• Support ICM Underwriting organization on strategic initiatives/projects asrequired

• Experience in and exposure to global credit risk managementstandards
• Ability to understand financing and productstructures
• Ability to assess financial and industry data to conduct creditassessment
• Able to discuss and address issues associated with the allocation of risk assets and risk capital in partnership with banking and product organizations
• Experience with Agency Transaction (Fannie Mae and Freddie Mac)

• Proven ability to understand nuances of local markets, local regulation, and the capabilities and practices ofcompetitors
• Navigates organizational complexity and breakssilos
• Creates and sustains a network of strong partnerships with the business in all segments & geographies and other riskfunctions
• Provides well-reasoned, balanced assessments of risk/return trade-offs associated with transactions and clientrelationships

• 2-5 years risk/risk-related credit work experience in banking/financial institutions. LIHTC experience stronglypreferred
• Experience in effectively engaging with variousfunctions
• Demonstrates strong ethics andintegrity
• Ability to understand the ‘big picture’ in a complexenvironment
• Strong verbal & written communication skills. Active listeningskills.
• Demonstrated influencing and negotiating ability, resolve conflicts amongst variousconstituencies
• Proficient presentation skills – adept at presenting effectively to audiences of various sizes and variousconstituencies
• Ability to analyze real estate projects for feasibility including developing and modeling construction budgets, operating pro formas, reviewing appraisals and other 3rd party reports, analyzing market factors, completing sponsor analysis as well as identifying and mitigating transaction risks.
• Strong knowledge of or the desire to learn the nuances of affordable housing, bond and LIHTCtransactions.
• Excellent communication, organization, and interpersonal skills, as well as the ability to multi-task under tightdeadlines.
• High attention to detail and the desire to take ownership of a process to drive towardsresolutions.
• Ability to travel on short noticenecessary.

Anticipated Posting Close Date:

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