Credit Portfolio Analyst 2 Job at Citi (Gurugram)

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Credit Analyst 2

Citi is looking for a Credit Risk Analyst to join a team at the heart of financi...

Location

Mexico , Ciudad De Mexico

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2–5 years of experience in credit analysis, asset management, or a financial institution with a focus on credit risk
Advanced proficiency in English, both written and spoken
CV must be submitted in English
Demonstrated ability to analyze financial data, interpret results, and translate findings into clear, actionable recommendations
Bachelor's degree or equivalent experience in finance, economics, or a related field
Skilled in gathering, structuring, and preparing data for analysis, including comparing program outcomes against expected results and developing evaluation criteria
Strong attention to detail when assessing financial information, with the ability to communicate complex findings clearly to stakeholders

Job Responsibility

Analyze client financial statements, business trends, and key indicators to deliver clear, data-driven assessments for Underwriting review
Monitor credit risk across new and existing borrowing relationships, including tracking financial covenants and borrowing base compliance
Perform financial statement spreads and establish customer records through Citi's credit systems to support accurate portfolio management
Identify early warning signals of potential client risk and escalate findings in a timely and structured manner
Conduct periodic financial reviews to ensure borrowing relationships remain aligned with agreed terms and credit appetite
Support client site visits alongside the Underwriting Manager to develop a deeper understanding of borrower operations and risk profile
Ensure all credit activities comply with Citi's policies and regulatory standards, maintaining the integrity required by internal and external audit processes

What we offer

Hybrid working model — spend 3 days in the office and 2 days working remotely
Access to learning and development resources that support your growth in credit risk and financial analysis, with clear pathways to advance your career at Citi
Work alongside experienced underwriting and risk professionals, gaining exposure to complex credit portfolios and real-world decision-making at a global financial institution
A collaborative and inclusive team culture where diverse perspectives are encouraged and your analytical contributions make a direct impact on business outcomes
Wellbeing and work-life balance support, including programmes designed to help you thrive both inside and outside of work
Competitive financial benefits and a rewards package reflective of your skills and experience

Fulltime

Credit Analyst 2

Citi continues to enhance its business control and governance framework by build...

Location

United States , Irving

Salary:

76230.00 - 106370.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Assess the credit and financial strength of Citi’s Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior management, and business partners
Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages including planned time off (vacation), unplanned time off (sick leave), and paid holidays

Fulltime

Credit Portfolio Analyst - Collection and Recoveries

The Credit Portfolio Intermediate Analyst is an intermediate-level position resp...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years of relevant experience
Experience in financial analysis, accounting and valuation
Consistently demonstrate clear and concise written and verbal communication
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Resolve issues and recommend solutions to moderate problems
Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family
Serve as an industry expert and advisor
Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds
Develop risk management framework and processes for funds
Advise businesses and clients on transaction structures and negotiate credit terms
Has the ability to operate with a limited level of direct supervision
Can exercise independence of judgement and autonomy
Acts as SME to senior stakeholders and /or other team members
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

Fulltime

Credit Analyst 2

The Credit Analyst 2 is a developing professional role in Citi Commercial Bank –...

Location

Philippines , City of Taguig, Metro Manila

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software
Extensive knowledge of Generally Accepted Accounting Principals (GAAP) accounting, financial regulations, financial products, and credit analysis
Bachelor’s/University degree or equivalent experience

Job Responsibility

Spread new, renewal, interim financial statements and business/individual tax returns in accordance with bank guidelines
Provide succinct analysis based on customers, peers, the portfolio, and the industry
Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting
Provide leadership, training, and coaching to Credit Analyst I positions and back up support to the Application Preparation Team Manager
May act as an industry specialist with responsibility for SBA/EXIM loan analysis
Appropriately assess risk when business decisions are made

What we offer

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Resources to manage financial well-being and help plan for the future
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities

Fulltime

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-4 years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting and valuation
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Consistently demonstrate clear and concise written and verbal communication
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting 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 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.

Fulltime

Credit Portfolio Analyst - Global Subsidiaries Group, ICM - Officer

The Credit Analyst 1 is a developing professional role. Applies specialty area k...

Location

China , Shanghai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2 years prior experience in a financial institution with a focus on credit analysis and spreading software
Extensive knowledge of GAAP accounting, financial regulations, financial products, and credit analysis
Ability to analyze business and personal financial statements with respect to GAAP and Citibank policies
Bachelor’s/University degree or equivalent experience

Job Responsibility

Accurately spreads business and personal financial statements and business and individual tax returns on a timely basis and in accordance with Generally Accepted Accounting Principles (GAAP) and Citibank policies
Ensure that financial data for simple to complex credits are mapped appropriately into the bank's matrix and analysis tool
Provides comments to the judgmental Underwriter on significant items in the financials and may be involved in credit structure and loan pricing
Additional responsibilities may include being a specialist for a designated industry and the effective interaction with Credit Officers and Relationship Managers while providing assistance regarding the analysis of the applications
Spread new, renewal and interim financial statements and business and individual tax returns in accordance with bank guidelines (focus on more complex financial statements (i.e. Not-For-Profit))
Provide succinct analysis based on customers, peers, the portfolio, and the industry
Provide preliminary analysis of simple to complex credits, including calculation of cash flow, debt service coverage, collateral coverage, and guarantor net worth
Coordinate with the Credit Officers, Credit Analysts, Other Credit Center Staff and Relationship Managers
Act in an advisory role for the Credit Officers/Relationship Managers on loan agreement/covenants clarification and monitoring
Complete quality assurance reviews to ensure application packages and analysis are thorough and accurate prior to forwarding for underwriting

Fulltime

Credit Portfolio Analyst - Risk Systems and Execution - Production Monitoring

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/ financial institutions
Knowledge of corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Basic understanding of credit risk management, technology platforms, and operational risk controls
Familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/ Tableau/ AI/ Oracle) supported by relevant programming skills
Statistical knowledge – familiar with key statistic metrics/ concepts
Knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms
Strong strategic thinker with the ability to anticipate production challenges and operational risks
Experience in problem-solving complex operational issues
Strong analytical skills in conducting analysis using bureau/ application/ customer data to identify anomalies and adverse trends

Job Responsibility

Perform the validation of all customer-facing credit risk platforms post-deployment
Development and execution of post-implementation validation frameworks
Partner with risk management, IT, and operations teams to assess potential vulnerabilities
Establish and manage a robust framework for ongoing production monitoring of credit risk platforms
Implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact
Ensure timely resolution of production issues
Ensure all customer-facing credit risk platforms perform reliably in production
Support initiatives to continuously improve platform stability
Engage with business stakeholders to understand customer needs and expectations
Ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements

Fulltime