Credit Risk Associate

• 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 Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi’s Counterparties based on independent assessment and judgement
• completed based on due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi’s risk appetite
• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
• Review and provide a recommendation on the risk rating across this sector
• Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
• Support ICM Risk Analysis Voice of the Employee (VOE) initiatives

• BA/BSc in Finance or Accounting or higher degree in Business (MBA), or any other related subject
• Financial Services experience including 3-5 years of credit experience in Banking or Credit Risk Management
• Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
• Forms independent opinions on credit and recognizes emerging risks
• Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
• Solid understanding of Credit Policy and procedures
• Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
• Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
• Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
• Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
• Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
• Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling

none explicitly mentioned

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays