Credit Risk Analyst

Credit Risk Analyst

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Job Overview

Corporate Developed Markets (CDM) Underwriting is an integral part of the Institutional Credit Management ("ICM") Underwriting organization. The ICM UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to ICM Risk and Banking shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICM Risk Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. Credit Risk Analysts are expected to use their industry and financial knowledge to perform credit assessments, including applying discretionary judgment on aspects that relate to credit risk ratings, regulatory classification and credit recommendation to second line of defense. That includes the production of Annual Reviews, Quarterly Reviews, Transactions memos.

A Credit Risk Analyst is expected to have a basic understanding of credit risk, leveraging off an academic background Finance, Accounting, or Business Administration. They should need close supervision from their respective Underwriter but take each interaction opportunity to further learn about credit risk, industry fundamentals, effective writing and communication.

This role has responsibility for the portfolio of Consumer Goods & Retail Relationships and the role reports directly to the Underwriting Manager.

Key Responsibilities

• Assess the credit and financial strength of Citi's counterparts 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.
• Perform Transaction memos approvals in a timely manner according to Business priority, discretionary recommendation should be documented in the memo on the proposal.
• Exercise discretion and independent judgement based on the analysis performed to make recommendations to second line of defense on risk ratings, classifications and proposal.
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to UWs, ICM Risk and Banking partners
• Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

Skills / Competencies

Fundamental 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

Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more

Interpersonal skills, with the ability to build relationships

Microsoft Office (Word, Excel, and PowerPoint) skills

Qualifications

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.