Credit Risk Intermediate Analyst

About the role

Assess the credit and financial strength of Citi’s Real Money Funds 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 Funds 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 Underwriting Team Leads, 2LoD Risk Partners and BCMA partners.
Review and provide recommendation on the risk rating across the Funds sector.
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios.
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives.

Responsibilities

• Assess the credit and financial strength of Citi’s Real Money Funds 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 Funds 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 Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
• Review and provide recommendation on the risk rating across the Funds sector
• Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

Requirements

Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management, or equivalent credit experience.
Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes.
Sound understanding of policies and procedures with the ability to execute change seamlessly.
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors.

Qualifications

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject.
• 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software.

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

Benefits

Primary Location Full Time Salary Range: $76,230.00 - $106,370.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards.
Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs.
Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays.

Pay

$76,230.00 - $106,370.00

Schedule

Full time