Credit Portfolio Analyst II, Citi

Citi

Location:
India, Gurugram ▼
Mumbai

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Analyst II is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Job Responsibility:

Conduct risk assessments and client credit analyses with supervision
Review financial results and peer analyses to support the preparation of financial projections
Assist in the preparation of green-light and transaction approval memos
Support due diligence activities and the building of cash flow models and sensitivity analyses
Escalate credit concerns and updates to senior risk and business managers
Support the proposal of risk mitigation actions
Assist with portfolio review preparation and the conduct of stress tests
Build working relationships with various teams across the bank
Appropriately assess risk when business decisions are made
Support compliance with applicable laws, rules, and regulations
Provide input into the risk analysis of tools used to monitor Credit Risk Exposure
Assist in the assessment of collateral risk and stress testing
Assist in the preparation of risk review materials
Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits

Requirements:

0-2 years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting, and valuation
Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
Familiarity with data interpretation and ability to challenge decisions based on data analysis
Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk
Ability to interpret data, make sound decisions, and challenge the basis of the analysis
Clear and concise written and verbal communication
Ability to work with little direction and in a team
Problem-solving skills to identify, analyze, and challenge basic problems
Familiarity with risk management software and other relevant technologies
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment
Familiarity with software and other industry-specific tools for efficient data management and analysis
Bachelor's degree/University degree or equivalent experience

Nice to have:

Analytical Thinking
Constructive Debate
Escalation Management
Industry Knowledge
Policy and Procedure
Policy and Regulation
Process Execution
Product Knowledge
Risk Controls and Monitors
Risk Identification and Assessment

Additional Information:

Job Posted:
September 16, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Portfolio Analyst II