Credit Portfolio Analyst II, Officer at Citi

Mumbai, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

22 Mar, 26

Salary

0.0

Posted On

22 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Risk Analysis, Financial Analysis, Accounting, Valuation, Data Interpretation, Risk Assessment, Stress Testing, Collateral Risk, Liquidity, Communication, Problem-Solving, Adaptability, Teamwork, Process Improvement, Ethical Judgment, Stakeholder Engagement

Industry

Financial Services

Description

At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we've been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges. We’re currently looking for a high caliber professional to join our team as Officer, Credit Portfolio Analyst 2 - Hybrid based in Gurugram, India. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance: · Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country. · We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world. · We empower our employees to manage their financial well-being and help them plan for the future. · Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses. · We have a variety of programs that help employees balance their work and life, including generous paid time off packages. · We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world. 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. In this role, you are expected to: 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 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. Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals. Proactively seeks out opportunities to volunteer in Citi programs that support the community; advocates for solutions that meet the needs of Citi’s clients and the community. 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 Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. As a successful candidate, you’d ideally have the following skills and exposure: 0-2 years of experience in credit risk analysis or corporate banking Experience in financial analysis, accounting, and valuation. Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution. Familiarity with data interpretation and ability to challenge decisions based on data analysis. Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk, with demonstrated experience in reviewing these factors and challenging any discrepancies. Ability to interpret data, make sound decisions, and challenge the basis of the analysis. Adds value and contributes to the success of the team. Understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity. Clear and concise written and verbal communication. Ability to work with little direction and in a team. Problem-solving skills to identify, analyze, and challenge basic problems. Familiarity with risk management software and other relevant technologies. Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment. Familiarity software and other industry-specific tools for efficient data management and analysis. Education: Bachelor's degree/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. Working at Citi is far more than just a job. A career with us means joining a family of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact. Take the next step in your career, apply for this role at Citi today Citi Careers | Find Your Next Opportunity ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills 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. ------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Responsibilities

The Credit Portfolio Analyst II is responsible for conducting credit reviews, credit approval, and monitoring the portfolio to identify credit migration. This role involves managing Citi's portfolio exposure to clients and counterparties globally.