Credit Risk Senior Analyst Job at Citi (Taguig)

Senior Credit Analyst Commercial Banking

Senior Credit Analyst Commercial Banking is a seasoned professional role within ...

Location

Poland , Warsaw; Krakow; Gdansk; Wroclaw; Poznan

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Master’s/University degree in Economics or Law
Minimum 10 years of experience in the financial sector in credit analysis of commercial and corporate clients
Experience in Corporate Finance and remediation process
Ability to analyze financial statements and prepare financial forecasts
Good understanding and knowledge of commercial and corporate banking products
Advanced analytical skills
Excellent communication skills, both oral and written
Negotiation skills
Openness, honesty and independence in presenting views
Ability to work under time pressure and complete assigned tasks in a timely manner

Job Responsibility

Credit analysis and risk assessment of clients within the allocated portfolio (Mid-and Large Commercial Clients)
Preparation of annual reviews of credit exposure along with the determination of risk ratings and structure of credit lines
Managing risks associated with new and existing credit transactions, incl. corporate finance
Conducting negotiations on the transaction with the participation of Boards of clients, their advisors, advisors of the Bank and supervising the implementation of agreed terms and conditions in the Bank’s credit exposure
Review of market information on the credit clients and respective industries
Regular contact with clients related to credit matters, incl. customer site visits (when appropriate)
Identifying and obtaining exceptions approvals
Recommending appropriate classification of exposures in the assigned credit portfolio
Performing periodic financial statement review
Tracking established financial covenants

What we offer

Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events and more)
Access to e-learning platform (Degreed) as well as English learning platform
Possibility to gain globally appreciated work experience
Friendly and supportive culture and team
Flexible and partly-remote working conditions

Fulltime

Credit Portfolio Senior Risk Analyst

The Portfolio Credit Risk Management role oversees portfolio risk management act...

Location

Singapore , Singapore

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-5 years relevant experience
Basic understanding of risk management principles
Experience utilizing quantitative methods for stress scenarios
Strong problem-solving capabilities, attention to detail, and a proactive attitude
Ability to remain organized in a fast-paced environment, managing multiple projects
Ability to work under pressure, multi-task and prioritize to meet deadlines
Highly proficient in MS Office – (Excel, Word, PowerPoint)
Proficiency in SAS is preferred
Bachelor's/University degree or equivalent experience

Job Responsibility

Develop and apply quantitative strategies for managing stress scenarios, risk exposures, and loss forecasting
Contribute to the quarterly submissions for IFRS9 provisioning process, work with finance stakeholders to ensure timely submission of the provision numbers
Contribute to the quarterly/annually submissions for Stress Testing, regulatory and non-regulatory (CCAR/ICAAP/IWST) submission for loss forecasting
Manage stress test for the entire credit spectrum across multiple products (retail) and prepare risk management presentations for senior management
Analyze model outputs and relate to portfolio and macroeconomic trends
Utilize Statistical Analysis System (SAS) to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
Participate in developing, testing, and optimizing statistical risk models, ensuring consistency and regulatory compliance for the purpose of loss forecasting and/or IFRS9 provisioning with Model Developers
Perform Model Monitoring, Validations as per Model Risk Management Guideline
Manage IFRS9 provisioning for the entire credit spectrum across multiple products and prepare risk management presentations for senior management
Appropriately assess provision adequacy safeguarding Citigroup and it's 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

What we offer

Extensive on-the-job training and exposure to senior leaders
More traditional learning
Opportunity to give back and make a positive impact through volunteerism
Resources to meet unique needs
Empowerment to make healthy decisions and manage financial well-being
Global benefits

Fulltime

Credit Portfolio Senior Analyst

The Credit Portfolio Senior Analyst is an intermediate-level position responsibl...

Location

Poland , Warsaw

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's degree/University degree or equivalent experience
5-8 years of relevant experience in corporate or commercial risk management
Knowledge of commercial risk analytics
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational and analytic skills
Proven knowledge of IFRS, local accounting standards, leveraged lending regulatory requirements
Fluency in Polish and English

Job Responsibility

Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testing
Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
Participate in developing, testing, and optimizing credit policies and procedures, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding the Bank, 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
Active participation in Early Warning Processes including quarterly financial monitoring and assessment of credit risk profile of client and exposures regarding regulatory requirements (i.e. stage or internal classification)
Active participation in improvement of credit process and procedures

What we offer

Job contract and social benefits (private medical care, fitness card, life insurance, pension programme, co-financing of cultural and entertainment events)
Access to e-learning platform (Degreed) as well as English learning platform
Possibility to gain globally appreciated work experience
Friendly and supportive culture and team
Flexible and partly-remote working conditions

Fulltime

Credit Risk Analyst

The Credit Portfolio Analyst II is an intermediate-level position responsible fo...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

2-4 years of experience in credit risk analysis or corporate banking
Experience in financial analysis, accounting and valuation
Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and transaction execution
Consistently demonstrate clear and concise written and verbal communication
Proven ability to work with little direction and in a team
Demonstrated accountability, self-motivation and business acumen
Bachelor's degree/University degree or equivalent experience

Job Responsibility

Conduct risk assessments and client credit analyses, review financial results and peer analyses and prepare financial projections
Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including deal, coverage and product teams
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

Fulltime