Credit Portfolio Analyst, Citi

Citi

Location:
Mexico, Zapopan

Category:
Finance

Contract Type:
Employment contract

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
is an enthusiastic and early adopter of change
takes ownership for helping others see a better future and stay positive during uncertainty
demonstrates and inspires curiosity in seeking new ways to overcome challenges
actively applies learning from failures
challenges self and others to seek out and communicate alternative views even when unpopular
welcomes diverse ideas to improve outcomes
acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization
proactively seeks to understand and act in alignment with organizational decisions
helps others prioritize team and enterprise success over their own personal agenda
focuses on highest-priority work aligned to business goals
helps others effectively manage competing priorities
proactively identifies opportunities to streamline work
creates process improvements that enhance efficiency for self and the team
takes personal accountability for escalating, identifying, and managing potential risk
implements controls that enhance the client experience and operational effectiveness
anticipates problems and proactively identifies solutions that address the root causes and result in meaningful improvements
sets high expectations and invests the necessary effort to deliver excellence and exceed performance goals
role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals
proactively seeks out opportunities to volunteer in Citi programs that support the community
advocates for solutions that meet the needs of Citi’s clients and the community
enthusiastically promotes the unique needs and preferences of colleagues
makes active commitment to help colleagues achieve balance, well-being, and development
leverages varied networks to recruit diverse talent
advocates for colleagues with diverse skillsets, styles, and experiences to gain career opportunities
empathetically listens and understands others’ positions before acting on issues
works to amplify voices that are minimized in the workplace.

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
adds value and contributes to the success of the team
understands and challenge various risk factors including stress testing, collateral risk and volatility, concentration risks, and liquidity
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.

What we offer:

Equal opportunity employer
reasonable accommodation for persons with disabilities
diversity and inclusion initiatives.

Additional Information:

Job Posted:
September 20, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Portfolio Analyst