Credit Risk Associate, Citi

Citi

Location:
India, Mumbai

Category:
Finance

Contract Type:
Employment contract

Salary:

Not provided

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Job Description:

ICG Risk Analysis Credit Risk Associates are responsible for managing a portfolio of ICG Risk Relationships, owning the Credit Risk Analysis for those relationships, and executing continuous monitoring of the portfolio. The role includes tasks such as conducting credit analysis, writing memos, monitoring industry trends, risk rating reviews, and collaborating with BCMA and Independent Risk teams. You will also support employee initiatives and participate in industry standards implementation.

Job Responsibility:

Assess the credit and financial strength of Citi’s most complex Large Corporate, Public Sector, and Financial Institutions Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners
Reviewing and providing recommendation on the risk raking across this sector
Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives

Requirements:

Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Assists colleagues in identifying stretch opportunities to elevate individual and team performance
Coach and mentor analysts to develop team strengths and improve weaknesses
Proven culture carrier
Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Good Microsoft Office (Word, Excel, and PowerPoint) skills

What we offer:

Extensive on-the-job training and exposure to senior leaders
Global benefits for employees
Volunteerism opportunities
Opportunity to expand skills
Commitment to growth and development

Additional Information:

Job Posted:
June 07, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Risk Associate