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Senior Credit Analyst – French speaking – join Citi Hungary’s LRD Underwriting Unit in Budapest, driving credit risk analysis across Europe and MEA.
Analyze credit portfolios, lead QA & reporting, coach teams, and grow with Citi’s global credit network.
Discover your future at Citi
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Job Overview
Europe LRD Underwriting Unit is an integral part of the Institutional Credit Management ("ICM") organization. The Unit’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration in line with Local Regulatory Requirements as a partner to Risk and Banking, Capital Markets and Advisory's (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending. It covers multiple portfolios, including Europe and some of the countries in the Middle-East and Africa.
Credit Senior Analyst is responsible for providing risk analysis and support for assessment of the obligors’ creditworthiness in the credit portfolio. They are also responsible for ensuring quality assurance and timely delivery, while being the primary responsible for coaching and training of the team of AVPs and Credit Risk Analysts.
The Europe LRD Underwriting Unit in Budapest is responsible for the
1. Quality assurance and completion of the obligors’ credit assessments prepared by other business units of Citigroup
2. Preparation and submission of obligors’ credit assessments
Key Responsibilities
- Review and complete Credit Approval Memo packages as per local regulatory requirements fully independently
- Analyse and assess risks in the credit relationships and formulate respective recommendations for CEP Credit risk management approval
- Work closely with Credit Officers, Relationship/Product Managers and Traders / Salespeople to facilitate transaction approvals.
- Provide credit input to standardize credit-related documents and reporting for the portfolio.
- Performs reporting and data analysis for the portfolio.
- Lead local risk management projects.
- Involvement in regional and global Risk management projects.
- Ensure Credit Risk MCA and Controls are effective.
- Performs other duties and functions as assigned.
Development Value
The Credit Analyst Team is expected to grow over time in terms of responsibilities. Responsibilities are planned to be gradually expanded towards partial and end-to-end preparation of credit approval memorandums.
The Credit Senior Analyst is going to work with other analyst team globally, credit approver’s chain as well as various business coverage groups globally. He/She is expected to gather sound knowledge of Citi’s credit relationships both in terms of credit profile of the covered clients and in terms of Citi’s product offerings.
Knowledge and Experience
Candidate should have 5-8 years of credit or related experience.
Deep knowledge of credit products and specific industry characteristics (manufacturing, services, banks etc.).
Good understanding of loan agreements, support documentation.
Experience in coordination of special projects/tasks
Skills
Both English and French reading and speaking. Knowledge of Arabic language is also beneficial.
Strong analytical skills and ability to decompose transactions into the core risks. Good quantitative skills a must.
Sound Risk and Business judgment on the full spectrum of risk issues including Operational and Franchise Risk
Ability to shift through complexity and articulate issues clearly
Ability to work independently on complex cases, processes
Qualifications
University Degree/Graduate Degree in Business, Finance or Economics or equivalent is a plus.
Competencies
Strong interpersonal and analytical skills
Self-motivated
Demonstrate integrity and risk-return balanced credit judgment
Good communication skills
Ability to multitask, good time management skills
Ability to coordinate larger projects, working groups
Good computer skills
What we can offer you
By joining Citi Hungary , you will not only be part of a business casual workplace with a hybrid working model (up to 2 days working at home per week), but also receive a competitive compensation package and enjoy a whole host of additional benefits that support you (and your family) to be well, live well and save well :
Cafeteria Program
Home Office Allowance ( for colleagues working in hybrid work models )
Paid Parental Leave Program ( maternity and paternity leave )
Private Medical Care Program and onsite medical rooms at our offices
Pension Plan Contribution to voluntary pension fund
Group Life Insurance
Employee Assistance Program
Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed
Flexible work arrangements to support you in managing work - life balance
Career progression opportunities across geographies and business lines
Socially active employee communities with diverse networking opportunities
Alongside these benefits Citi is committed to ensuring our workplace is where everyone feels comfortable coming to work as their whole self every day. We want the best talent around the world to be energized to join us, motivated to stay, and empowered to thrive.
Sounds like Citi has everything you need? Then apply to discover the true extent of your capabilities.
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Job Family Group
Risk Management
Job Family
Credit Risk
Time Type
Full time
Primary Location Full Time Salary Range
10 627 270,00 Ft - 17 818 330,00 Ft
Most Relevant Skills
Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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