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The Country Risk Senior Analyst is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.
Identifies and analyzes situations that create risk and legal liability for Citi, utilizing various resources such as credit reports, score cards, risk systems, and knowledge of the elements of Risk
Assesses risks and analyses existing and new relationships - including periodic review of financial results and statements to monitor operating performance, liquidity position and financial condition
Maintains sound understanding about different markets, products, strategies, tools and associated risks
Collaborates as appropriate with product partners and relationship teams for new and/or refinancing credit transactions such as term loans or event-driven financing with specific responsibility for risk analysis, preparation of financial model and sensitivity analysis
Reviews of results/scripts/reports feedback to business to enhance and refine corrective action plan to ensure developments are in sync
Participates in regular portfolio stress testing
Participates in problem recognition and monitors troubled exposures
Contributes to developing, testing and optimizing credit or risk policies for channels or products under their responsibility
Executes department strategy by developing approaches and/or processes to accomplish goals
Completes ad-hoc projects as required, such as reporting of portfolio data internal and external audit, regulators and senior management
Ensures adherence to all relevant Citi policies
Additional duties as assigned
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
Requirements:
5-8 years of experience
Knowledge of institutional and regulatory credit policies with good knowledge of accounting, product and finance principles
Knowledge and understanding of Banking operations (International and domestic)
Knowledge about risk systems infrastructure including key processes, coverage and data flows in order to identify risk effectively
Demonstrated Credit and Analytical skills
Excellent verbal and written communication skills
Effective team player and interpersonal skills
Ability to work under pressure, multi-task and prioritize to meet deadlines
Highly proficient in MS Office – (Excel, Access, PowerPoint)
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