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Credit Portfolio Analyst II

https://www.citi.com/ Logo

Citi

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Location:
India , Gurugram ▼

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Category:
Finance

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Contract Type:
Not provided

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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 by staying informed of related developments in the portfolio and industry, and by understanding the credit process, policies, and Citi's risk appetite
  • Assist with portfolio review preparation and the conduct of 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 consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets
  • Support compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound ethical judgment, and escalating, managing, and reporting control issues with transparency
  • 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 for proactive risk management and to present to internal stakeholders
  • 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, with demonstrated experience in reviewing these factors and challenging any discrepancies
  • 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 software and other industry-specific tools for efficient data management and analysis
  • Bachelor's degree/University degree or equivalent experience
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
  • Variety of programs that help employees balance their work and life, including generous paid time off packages
  • Resources and tools to volunteer in the communities

Additional Information:

Job Posted:
December 28, 2025

Employment Type:
Fulltime
Work Type:
Hybrid work
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