Credit Risk Analyst, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

The Analyst will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion dollar portfolio of asset securitization transactions primarily across the ABS and CLO asset classes. The analyst will gain experience across multiple products within the portfolio, which consists of various securitized asset classes. Citi is committed to supporting employee growth and development through training and exposure to senior leaders.

Job Responsibility:

Work proactively with the Underwriting team to ensure timely information flow/communications among all internal stakeholders
Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers with the aim of identifying and mitigating credit risks
Assist with classification and risk rating processes, decisions and monitoring
Review servicer reports for accuracy, investigate unusual data trends, identify deteriorating asset performance, and keep abreast of industry and market trends and customer-specific events, which may require contributions to quarterly portfolio reviews and liaising on updates to collateral data
Prepare annual credit approval and quarterly memos in a timely manner
Model transactions for risk rating and stress testing purposes
Assist with special projects including stress testing, portfolio concentration analysis, internal audit & reviews, risk rating processes, Credit Policies and Credit Programs across product groups
Assist in reporting of Basel securitization parameters
Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes

Requirements:

1 to 3 years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm
structured credit/securitization experience is a plus
A strong interest in structured products and credit analysis
Strong Microsoft Office skills. Modelling experience is a plus
Strong attention to detail – Analyst will have responsibility for due diligence and documentation of transactions to ensure that all risk, business and policy points are covered
Oral and written communications skills enabling him or her to effectively interact with internal and external constituents of all levels
Team player with strong work ethic who also works well with others at all levels
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Bachelor's degree/University degree or equivalent experience

Nice to have:

Structured credit/securitization experience
Modelling experience

What we offer:

Extensive on-the-job training and exposure to senior leaders
Opportunity to expand skills
Volunteerism opportunities
Global benefits

Additional Information:

Job Posted:
July 04, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Risk Analyst