Vice-President - Senior Credit Analyst Job at Citi (Mumbai)

Job Description

The ICM Senior Credit Analyst will lead the evaluation and ongoing management of complex credit exposures. This role has responsibility for the Non Investment Grade portfolio, with a focus on Classified assets. The role involves quality assurance, team guidance, and engagement with senior management to drive sound credit decisions.

Job Responsibility

Lead comprehensive credit assessments, valuations, and rating assignments for complex or large exposures
Independently prepare financial models and company valuations using most appropriate methods (DCF, SOTP, Project finance, comparable company analysis, precedent transactions, etc.)
Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers
Model companies' financial position to assess appropriate debt structure and accurate debt value using the most appropriate valuation methodology
Oversee and review credit papers, ensuring analytical rigor and compliance with policy standards
Monitor portfolio performance and conduct early warning analyses
Guide stress testing, sector review initiatives, and internal risk assessments
Participate in or lead credit review committees and provide insights on deal structuring and documentation
Mentor and review work of analysts across levels to maintain output quality and consistency
Ensure adherence to credit governance, internal control, and audit standards
Sound Understanding of credit agreements such as key terms, covenants, etc
Good understanding of banking products and associated risks & process flows
Work closely with other colleagues (Senior Bankers and Senior Credit Officer-level transactors) to remain coordinated on the restructuring/valuation process and assess likely restructuring scenarios
Evaluate and process documentation to both evaluate and implement the appropriate strategy
partner with Citi Legal and outside legal
Manage assigned bilateral and syndicated portfolios
Co-manage of accounts with internal partners
Review accounts in accordance with established policies and standards set by Citi
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

CA, CFA, or MBA (Finance) with 10–13 years of experience in credit risk, corporate lending, or financial research
Exceptional experience with the internal Policies, Standards, Procedures, Templates
Ability to analyze and evaluate financial statements and business plans, across a range of industrial sectors and form independent opinions on credit and emerging risks
Proficient knowledge of corporate and debt structuring, with a particular understanding of bank loan documentation
Good understanding of risk profiles of all credit products
Advanced credit analysis and corporate financial modeling
Risk assessment and quantitative analysis experience
Ability to build and maintain relationships and communication skills, both written and verbally
Ability to work autonomously, as well make meaningful contributions as part of a team
Project management skills, with a focus on Information System implementation
Leadership and mentoring capability
Excellent judgment and risk awareness
Strong stakeholder and presentation skills
Focus on quality control and process adherence
Solid organizational skills with ability and willingness to work under pressure and manage time and priorities effectively
Bachelor’s/University degree, Master’s degree preferred

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

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Vice-President - Senior Credit Analyst

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