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Underwriting Senior Credit Analyst is an integral part of the Institutional Credit Management ("ICM") organization. Underwriting 's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Corporate Banking and Risk shared commitment to ensuring the safety and soundness of wholesale lending across Citi. Underwriting Analysts and Associates are responsible for a portfolio of Corporate Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Initial Credit Approvals, Transaction Approvals, Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Portfolio & Industry Reviews and Stress Testing.
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-ups while assigning internal credit risk ratings based on independent assessment and judgement completed on the due diligence of the client and industry knowledge
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and Banking partners
Partnership with applicable regional and industry stakeholders in Banking and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios
Other duties as required to support business unit and company goals
Requirements
Demonstratable financial services experience, including 8-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong proficiency in English and French (written and verbal)
Strong 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
Background on both Corporate and Financial Institutions’ risk analysis will be a plus
Advanced industry research capabilities, including risk and key drivers
Proven analytical skills including the ability to understand and assess company financial statements, cash flow, industry/competitive analysis and projections
including complicated business structures with foreign subsidiaries and/or parent organizations
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
Bachelor’s/University degree or equivalent experience
Higher degree in Business (MBA), or any other related subject will be an added advantage
Nice to have
Background on both Corporate and Financial Institutions’ risk analysis will be a plus
Higher degree in Business (MBA), or any other related subject will be an added advantage