Credit Portfolio Analyst II, Officer at Citi

Gurugram, haryana, India -

Full Time

Start Date

Immediate

Expiry Date

20 Mar, 26

Salary

0.0

Posted On

20 Dec, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Risk Assessment, Financial Analysis, Data Interpretation, Collaboration, Process Improvement, Stress Testing, Portfolio Management, Ethical Judgment, Communication, Problem Solving, Stakeholder Engagement, Teamwork, Change Management, Analytical Thinking, Escalation Management

Industry

Financial Services

Description

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. 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. 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 a better future and stay positive during uncertainty. Demonstrates and inspires curiosity in seeking new ways to overcome challenges; actively applies learning from failures. Challenges self and others to seek out and communicate alternative views even when unpopular; welcomes diverse ideas to improve outcomes. Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization. Proactively seeks to understand and act in alignment with organizational decisions; helps others prioritize team and enterprise success over their own personal agenda Focuses on highest-priority work aligned to business goals; helps others effectively manage competing priorities. Proactively identifies opportunities to streamline work; creates process improvements that enhance efficiency for self and the team. Takes personal accountability for escalating, identifying, and managing potential risk; implements controls that enhance the client experience and operational effectiveness. Anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements. Sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals. Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals. Enthusiastically promotes the unique needs and preferences of colleagues; makes active commitment to help colleagues achieve balance, well-being, and development. Leverages varied networks to recruit diverse talent; advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities. Empathetically listens and understands others' positions before acting on issues; works to amplify voices that are minimized in the workplace Experience in financial analysis, accounting, and valuation. Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Ability to work with little direction and in a team. This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. A career with us means joining a family of more than 230,000 dedicated people from around the globe. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------

Responsibilities

Conduct risk assessments and client credit analyses while supporting due diligence activities and preparing financial projections. Build working relationships across teams and assist in monitoring credit portfolio limits.