Credit Risk Officer - Commercial Banking, Citi

Citi

Location:
Australia, Sydney

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

Citi’s Risk Management organization oversees risk-taking activities and assesses risks and issues independently of the front-line units. We establish and maintain the enterprise risk management framework that ensures the ability to consistently identify, measure, monitor, control and report material aggregate risks. Citi Commercial Bank provides global banking solutions to mid-sized companies that are looking to grow rapidly and expand internationally. With our global network, comprehensive solutions, and industry expertise, we help these businesses succeed across a wide variety of industries and at most stages of their growth.

Job Responsibility:

Appropriately assess credit risk of underwriting requests for commercial credit extensions of new and existing clients within the mid-market and institutional segments
Perform credit risk analysis based on credit requests memos of clients by analyzing the business, financing purpose, identifying the strengths and prevailing risk factors and rendering a final credit decision
Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information
Perform credit analysis on companies, guarantors in order to assess repayment capacity based on cash flow statements, tax returns, and statements
Perform industry research and other due diligence as needed
Maintain a solid understanding of Citibank products and services - within Citi Commercial Banking and the broader organization
Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors
Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels
Provide support to Head of Commercial Bank Risk Australia across projects, risk initiatives as required to support risk and broader organizational goals
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency

Requirements:

6-10 years previous credit authority experience covering corporate credits within the mid-market and/or institutional banking is preferred
Prior experience with regulatory and compliance policy environment
Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections, including complicated business structures with foreign subsidiaries and/or parent organizations
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Proficient in various spreadsheet applications (Excel), including the use of graphs and charts
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Effective inter-personal and written/verbal communication skills
Thorough problem recognition and resolution skills
Pro-active disposition with ability to work autonomously and within a team
Ability to deal with complex and variable issues and take a risk balanced approach weighing various alternatives and balancing potentially conflicting needs
Bachelor’s/University degree, Master’s degree preferred

What we offer:

We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families
We empower our employees to manage their financial well-being and help them plan for the future
We have a variety of programs that help employees balance their work and life, including generous paid time off packages

Additional Information:

Job Posted:
May 09, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Risk Officer - Commercial Banking