Citi
Finance
CreditRiskAnalytics-AnalystII
Neural analysis suggests this role is
optimal for Entry candidates.
“Credit Risk Analytics - Analyst II at Citi. Skills: Credit Risk Analysis, Financial Analysis, Risk Assessment, Data Interpretation. Conduct risk assessments. Conduct client credit analyses”
What You'll Achieve.
Manage Citi's portfolio exposure to clients and counterparties globally; Identify credit migration; Contribute to the success of the team; Deliver excellence; Exceed performance goals
Industry & Context.
Problem-solving skills to identify basic problems; Problem-solving skills to analyze basic problems; Problem-solving skills to challenge basic problems; Anticipates problems; Proactively identifies solutions that address root causes; Identifies solutions that result in meaningful improvements
What They're Looking For.
Must Have
1-3 years of experience in credit risk analysis or corporate banking, Experience in financial analysis, accounting, and valuation, Knowledge of accounting and corporate finance, Knowledge of financial modeling, Knowledge of credit and banking products, Knowledge of credit analytics, Knowledge of risk assessment, Knowledge of transaction execution, Familiarity with data interpretation, Ability to challenge decisions based on data analysis, Basic understanding of various risk factors including stress testing, Basic understanding of collateral risk and volatility, Basic understanding of concentration risks, Basic understanding of liquidity, Basic understanding of wrong way risk, Demonstrated experience in reviewing risk factors, Demonstrated experience in challenging risk factor discrepancies, Ability to interpret data, Ability to make sound decisions, Ability to challenge the basis of the analysis, Clear and concise written communication, Clear and concise verbal communication, Ability to work with little direction, Ability to work in a team, Problem-solving skills to identify basic problems, Problem-solving skills to analyze basic problems, Problem-solving skills to challenge basic problems, Familiarity with risk management software, Familiarity with other relevant technologies, Adaptability to respond to ad-hoc requests, Adaptability to respond to changes in regulatory environment, Flexibility to respond to ad-hoc requests, Flexibility to respond to changes in regulatory environment, Familiarity with software for data management, Familiarity with software for data analysis, Familiarity with industry-specific tools for data management, Familiarity with industry-specific tools for data analysis
Nice to Have
Familiarity with stress testing, Familiarity with collateral risk and volatility, Familiarity with concentration risks, Familiarity with liquidity, Familiarity with wrong way risk, Familiarity with risk management software and other relevant technologies, Familiarity with software and other industry-specific tools for efficient data management and analysis
What You'll Do.
Conduct risk assessments
Conduct client credit analyses
Review financial results
Perform peer analyses
Assist in preparing financial projections
Assist in preparing green-light memos
Assist in preparing transaction approval memos
Support due diligence activities
Support building cash flow models
Support building sensitivity analyses
Escalate credit concerns
Escalate credit updates
Support proposal of risk mitigation actions
Stay informed of portfolio developments
Stay informed of industry developments
Understand credit process
Understand credit policies
Understand Citi's risk appetite
Assist with portfolio review preparation
Provide input into risk analysis tools
Monitor Credit Risk Exposure
Assist in assessment of collateral risk
Assist in stress testing
Assist in preparation of risk review materials
Present risk review materials to stakeholders
Monitor credit portfolio limits
Ensure compliance with risk appetite limits
How You'll Work.
Team & Collaboration
Build working relationships with deal teams; Build working relationships with coverage teams; Build working relationships with product teams; Engage key stakeholders early; Engage key stakeholders often; Improve collaboration in achieving common goals; Leverage varied networks to recruit diverse advocates; Amplify voices minimized in workplace
Communication Scope
Clear and concise written communication; Clear and concise verbal communication
Full Job Description
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. * Is an enthusiastic and early adopter of change; takes ownership for helping others see
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