Credit Risk Associate

Responsabilidades

• Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
• Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement; completed based on due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
• Review and provide a recommendation on the risk rating across this sector
• Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICM UW Voice of the Employee (VOE) initiatives
• Travel (less than 10%)

Requisitos

• Risk & Credit Underwriting:
  • Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
  • Forms independent opinions on credit and recognizes emerging risks
  • Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
  • Sets the standard for industry research capabilities, including risk and key drivers
  • Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
  • Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly
• Leadership:
  • Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
  • Embraces the need for change and appreciates its benefits with natural curiosity
  • Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas
  • Proven culture carrier
• Interpersonal:
  • Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
  • Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
  • Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Technical:
  • Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
  • Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
• Qualifications:
  • Bachelor’s/University degree or equivalent experience.
• Education:
  • Bachelor’s/University degree; English fluency is required
• Observação:

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

Sobre a empresa

A Citi é um empregador que oferece igualdade de oportunidades. Candidatos qualificados serão considerados independentemente de raça, cor, religião, sexo, orientação sexual, identidade de gênero, origem nacional, deficiência, status como veterano protegido ou qualquer outra característica protegida por lei. A Citi valoriza a diversidade e a inclusão e busca atrair pessoas com diferentes perspectivas para contribuir com o negócio.