Citi Group Officer Credit Risk Senior Analyst 

Japan, Chiyoda 

208107708

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.

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.

Time Type:

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