Credit Risk Senior Analyst Job at Citi (Budapest)

Senior Credit Analyst

Reporting into the Credit Team Leader the successful candidate will be responsib...

Location

Australia , Sydney

Salary:

Not provided

Prospa

Expiration Date

Until further notice

Requirements

Minimum 3 to 5 years underwriting / Credit analyst experience required
Bachelor’s degree in finance, accounting, or related field desirable but not necessary
Previously held a DLA (delegated lending authority)
Experience in commercial lending
Experience with business financial documents such as Profit & Loss, Balance Sheets, AR/RP
Strong credit risk acumen and commercial judgement
Familiarity with personal and company credit reports, ASIC searches, and other various background information

Job Responsibility

Coordinating the underwriting of commercial loan applications upto an exposure of $1mil
Bank statement analysis for up to $500K & Financial statement analysis for upto $1mil
Providing in-depth detailed analysis of financial statements, industry risk, and credit risk
Presenting deals to Credit Committee with a comprehensive understanding of the risk and associated mitigants in each transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
Conduct credit calls with clients and relevant stakeholders to collect additional information relevant to the proposed transaction
Liaising with stakeholders in other areas of the business to provide scenario and deal workshopping support
Preparing clear, thorough and informative credit papers for each application
Comply with internal controls and government regulations

What we offer

Learning days
Learning allowance
Leadership programs
CliftonStrengths workshops
Digital learning
Biannual companywide learning weeks
Fitness initiatives
Seasonal programs (including flu shots, massages, skin checks, wellness classes)
Additional "Me Days"
Access to holistic EAP coaching

Credit Risk Analyst

We are looking for a credit risk analyst to support and grow our risk team. The ...

Location

Netherlands , Rotterdam

Salary:

Not provided

iBanFirst

Expiration Date

Until further notice

Requirements

Bachelor's or Master's degree in Finance, Economics, Risk Management, or a related field
advanced degree or relevant certifications (e.g., FRM, CFA) are a plus
At least two years of experience in credit risk management within the financial services industry
Exceptional analytical and problem-solving skills with the ability to interpret complex data
Excellent communication and interpersonal skills
Ability to work in a dynamic business and simultaneously demonstrate experience working on several projects
Good understanding of financial products
A “can-do” attitude and take ownership of the assigned tasks
High standards of oral & written in English and Dutch are mandatory

Job Responsibility

Providing assistance and support to the Credit Risk team in any risk-related matters
Carrying out financial analysis on clients and liquidity providers and making recommendations that align with best practices and the group’s risk appetite
Managing multiple credit requests in a timely and effective fashion, producing well-researched and accurate credit reviews, and working directly with sales teams across business units to address credit requests and issues
Taking ownership in developing processes and procedures to limit risk and improve credit risk management efficiency
Preparing margin setup proposals for consideration by the client and management
Ensuring that the credit risk exposure of a client is within the risk limits
Monitoring and reporting a client’s initial margin and variation margin position
Monitoring and reporting the exposure concentration of the group’s credit portfolio
Monitoring the progress of a margin call
Monitoring changing market conditions that might affect the credit quality of the group’s credit risk exposure. Providing timely alerts to the management for appropriate actions

What we offer

Various missions and projects in an innovative and rising start-up in a thriving industry (fintech)
A key role and a unique opportunity to shape the future of iBanFirst
A great, professional and international team
A nice work environment

Counterparty Credit Risk Analyst - Funds

Institutional Credit Management (ICM) is a critical component of Citi’s First Li...

Location

United States , Getzville; Irving

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, 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
Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds – Industry products and relevant CCR risk measures
Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

Job Responsibility

Assess the credit and financial strength of Citi’s Real Money Funds 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 Funds 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 Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
Review and provide recommendation on the risk rating across the Funds sector
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

What we offer

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

Fulltime