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Join Citi as a Credit Portfolio Analyst II and manage global credit portfolios while driving risk mitigation and compliance.
Apply your expertise in credit risk, financial analysis, and SAS to support portfolio monitoring, stress testing, and stakeholder collaboration.
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.
Job Responsibilities
- Conduct risk assessments and client credit analyses with supervision.
- Review financial results and peer analyses to support the preparation of financial projections.
- Assist in the preparation of green-light and transaction approval memos.
- Support due diligence activities and the building of cash flow models and sensitivity analyses.
- Escalate credit concerns and updates to senior risk and business managers.
- Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite.
- Assist with portfolio review preparation and the conduct of stress tests.
- Build working relationships with various teams across the bank, including deal, coverage, and product teams.
- Appropriately assess risk when business decisions are made, demonstrating consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets.
- Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency.
- Provide input into the risk analysis of tools used to monitor Credit Risk Exposure.
- Assist in the assessment of collateral risk and stress testing.
- Assist in the preparation of risk review materials for proactive risk management and to present to internal stakeholders.
- Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits.
Qualifications
- 2-5 years of experience in credit risk analysis or corporate banking
- Knowledge of SAS Language is preferred
- Experience in financial analysis, accounting, and valuation.
- Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution.
- Familiarity with data interpretation and ability to challenge decisions based on data analysis.
- Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies.
- Ability to interpret data, make sound decisions, and challenge the basis of the analysis.
- Adds value and contributes to the success of the team.
- Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity.
- Clear and concise written and verbal communication.
- Ability to work with little direction and in a team.
- Problem-solving skills to identify, analyze, and challenge basic problems.
- Familiarity with risk management software and other relevant technologies.
- Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment.
- Familiarity software and other industry-specific tools for efficient data management and analysis.
Education
Bachelor's degree/University degree or equivalent experience
Job Family Group
Risk Management
Job Family
Portfolio Credit Risk Management
Time Type
Full time
Most Relevant Skills
- Analytical Thinking
- Credible Challenge
- Governance
- Policy
- Procedure, and Regulation
- Portfolio Analysis
- Risk Management Lifecycle.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
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