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The Credit Group Manager is senior leader whose emphasis is on the underwriting side, but who also has customer and risk management skills. This position will assist in assuring underwriting and portfolio quality and process integrity. The overall responsibility is that the Commercial Bank achieves its financial goals. The Credit Group Manager will have lending authority.
Job Responsibility:
Has responsibility for portfolios of middle market companies in Hong Kong and Japan
Manages the credit portfolio and has responsibility for ensuring that the credit and underwriting process in each market is up to Citi standards, and that all credit monitoring and maintenance policies are followed with respect to annual reviews, covenant compliance, borrowing base monitoring, and compliance with conditions precedent
Coordinates with regional management and works with Credit Administration unit as appropriate for tracking and follows up for completion and filing of annual reviews, covenant compliance checklists, inspections and other reporting requirements
Approves credit requests and annual reviews within covering limits
approval of short-term credit requirements such as overdrafts and settlement exposure
Facilitates the underwriting and documentation of credit products for new and existing clients, including structuring credit products and proposals with Bankers that meet internal risk standards
Coaches and trains Underwriters with respect to the credit and underwriting process
Accurately review risk ratings and responsible for early problem recognition
Assists in Credit Risk portfolio reporting
Participates in client and prospect calls as a senior calling officer where needed
Coordinates and assists in audits as required
Managing group of underwriters and credit analysts
Performs other duties and functions 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards
Requirements:
10+ years’ experience in commercial credit decision making authority for credits up to $10 million and greater
Expert knowledge of credit products (formal credit training required)
Demonstrates excellent financial and analytic skills and ability to rapidly assimilate complex information
Sharp business development focus, demonstrating innovative approaches