Senior Credit Risk Analyst Job at Citi (Ciudad De Mexico)

Job Description

The Senior Credit Risk Analyst role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Job Responsibility

Independently review and assess business problems, leveraging extensive knowledge of industry standards and practices to evaluate potential risks in assigned portfolios
Identify emerging threats and implement mitigation strategies
Analyze and suggest improvements in credit risk processes for assigned portfolio based on in-depth analysis and industry best practices
Ensure the appropriateness and completeness of credit risk components, validating their usage trends
Manage risk through various means, including spreading of client business, financial statement analysis, recognizing potential client risk early, periodic financial statement reviews, tracking financial covenants, and monitoring borrowing base credit facility compliance
Communicate any potential risks to senior management, providing regular updates about the status of their Reviews
Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization
Proactively seeks to understand and act in alignment with organizational decisions
helps others prioritize team and enterprise success over their own personal agenda
Proactively identifies opportunities to streamline work
creates process improvements that enhance efficiency for self and the team
Takes personal accountability for escalating, identifying, and managing potential risk
implements controls that enhance the client experience and operational effectiveness
Role-models and helps others to do the right thing for clients and Citi in all situations, even when difficult
Engages key stakeholders early and often and actively looks for opportunities to improve collaboration in achieving common goals
Proactively seeks out opportunities to volunteer in Citi programs that support the community
advocates for solutions that meet the needs of Citi’s clients and the community
Enthusiastically promotes the unique needs and preferences of colleagues
makes active commitment to help colleagues achieve balance, well-being, and development

Requirements

5-8 years relevant experience
Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
Command of Customer Accounting Systems and Credit Platforms
Extensive professional experience in similar role, demonstrating proficiency in credit approval, portfolio monitoring, and financial statement analysis
Bachelor’s/University degree or equivalent experience

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Senior Credit Risk Analyst

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