Credit Risk Analyst - Institutional Credit Management Underwriting at Citi

Istanbul, Istanbul, Turkey -

Full Time

Start Date

Immediate

Expiry Date

25 Mar, 26

Salary

0.0

Posted On

25 Dec, 25

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Analytical Thinking, Financial Analysis, Risk Identification, Credit Policy, Escalation Management, Interpersonal Skills, Organizational Skills, Written Communication, Verbal Communication, Industry Research, Credit Risk Management, GAAP Accounting, Liquidity Position, Leverage Profile, Constructive Debate, Risk Controls

Industry

Financial Services

Description

Institutional Credit Management Underwriting (ICM-UW) is an integral part of the ICM organization. ICM-UW’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking. These three groups have a shared commitment to ensuring the safety and soundness of wholesale lending across Citi.ICM-UW Credit Risk Analysts are responsible for a portfolio of client relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. The role is part of the Turkish ICM team. Key Responsibilities: Assess the credit and financial strength of Citi’s Global Network Banking clients (and if needed can assess Large Corporate, Public Sector, Financial Institution clients) 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. Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to ICM-UW seniors, Risk and Banking. Partnership with applicable regional and industry stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios. Knowledge/Experience: 0-2 years of credit experience in Banking, Credit Risk Management or equivalent. 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. Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation. Displays basic industry research capabilities, including risk and key drivers. Basic understanding of Credit Policy and procedures; proactively refers to resources as needed. Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly. Skills/Competencies: Assists colleagues in identifying stretch opportunities to elevate individual and team performance. Proven culture carrier. Interpersonal skills, with the ability to build relationships and exert influence with and without direct authority. Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively. Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority. Microsoft Office (Word, Excel, and PowerPoint) skills. Proficiency in Turkish and English. Qualifications: BA/BSc or higher degree in Business (MBA), or any other related subject This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Risk ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, 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

Credit Risk Analysts are responsible for assessing the credit and financial strength of client relationships and continuously monitoring their portfolio. This includes producing Annual and Quarterly Reviews and supporting Ad-Hoc Transactions.