Credit Portfolio Risk Analyst

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 Analyst is responsible for providing risk analysis and support for assessment of the obligors’ creditworthiness in the CEP and/or MEA credit portfolio.

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:

• Complete Credit Approval Memo packages as per local regulatory requirements with limited supervision
• Analyse and assess risks in the credit relationships and formulate respective recommendations for 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.
• Provide ad hoc project support to regional and global Risk management projects.
• Ensure Credit Risk MCA and Controls are effective.

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 Analyst is going to work with other analyst teams 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 3-5 years of credit or related experience.
• 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
• Good knowledge of credit products and specific industry characteristics (manufacturing, services, banks etc.).
• Good understanding of loan agreements is beneficial.

Skills:

• English reading and speaking. Knowledge of French or Arabic languages is 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

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
• Good computer skills

What we can offer you:

By joining CitiHungary,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 competitivecompensation packageandenjoy a whole host of additional benefitsthat supportyou(and your family)tobe well, live well and save well:

• Cafeteria Program
• Home Office Allowance(for colleagues working in hybrid work models)
• Paid Parental Leave Program(maternityandpaternity 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 supportyou inmanaging 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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