3 Credit Knowledge Jobs

The Credit Initiation Team Lead position involves assisting in evaluating the creditworthiness of individuals, companies, and institutions to determine suitable credit terms and minimize risks to the company. As a team leader, you will allocate work to credit initiation specialists, provide training and coaching, and ensure the quality of services. It is crucial to maintain the integrity and confidentiality of customer documentation while upholding technical and professional standards. Your responsibilities will include interpreting procedures and policies, guiding support staff in resolving complex issues, and exchanging information effectively with diverse audiences. It is essential to assess risks accurately in business decisions, prioritizing the firm's reputation and compliance with laws and regulations. Upholding ethical standards, accountability, and transparency are key aspects of this role. To qualify for this position, you should have relevant experience in a similar role, a fundamental understanding of credit initiation procedures, and excellent written and verbal communication skills. A Bachelor's degree or equivalent experience is required. This role falls under the Operations - Services job family, specifically in Credit Initiation. It is a full-time position that requires clear communication, strong leadership skills, and a commitment to maintaining high standards of service. If you need assistance due to a disability, accommodations are available for using our search tools or applying for a career opportunity. For further details on Citi's Equal Employment Opportunity Policy and your rights, please refer to the provided resources.,

The Credit Initiation Team Lead position involves assessing the ability of individuals, companies, and institutions to meet loan demands. In coordination with the Operations - Services team, you will determine the level of credit that can be granted without undue risk to minimize threats to the company. As a team leader, you will allocate work to credit initiation specialists, supervise tasks, and provide training and coaching. You will utilize your credit knowledge and signing authority to manage exceptions effectively. Ensuring the integrity and confidentiality of customer documentation and information within computerized systems will be a key responsibility. You will interpret procedures and policies to guide support staff in resolving complex problems and maintain the quality of tasks and services provided by the team. To excel in this role, you must apply technical and professional principles, exchange information concisely, and be sensitive to audience diversity. Meeting client needs while delivering an exceptional client experience is crucial and will be measured by specific metrics. When making business decisions, you should appropriately assess risk and prioritize the firm's reputation. Compliance with applicable laws, rules, and regulations is essential, as well as demonstrating sound ethical judgment and transparency in managing and reporting control issues. Qualifications for this position include relevant experience in a related role, a fundamental understanding of procedures and concepts within your technical area, and the ability to communicate clearly and concisely, both in writing and verbally. A Bachelors degree, University degree, or equivalent experience is required. If you require a reasonable accommodation due to a disability when using our search tools or applying for a career opportunity, please review the Accessibility at Citi information. Additionally, you can refer to Citi's EEO Policy Statement and the Know Your Rights poster for more details.,

You will be responsible for managing and servicing an existing portfolio of Working Capital (WC) clients, focusing on renewals and limit enhancements. Your key tasks will include building strong relationships with promoters, understanding business models, cash flows, and tailoring WC solutions to meet customer needs effectively. It will be crucial to ensure portfolio growth through limit enhancements and achieving defined business targets. You will need to closely monitor and ensure timely renewal of limits, as well as prompt closure of all pending Post Dated Documents (PDDs). Tracking and following up with customers for submission of stock statements, stock insurance, and stock audit compliance will be part of your routine activities. Regular client visits will be required to maintain connections, foster growth, and ensure business model functionality. Additionally, you will be responsible for encouraging optimal utilization by clients, monitoring transaction patterns for anomalies, and working towards minimizing delinquency while proactively addressing any client issues. Cross-selling products, driving WC limit uptake, and generating new leads from existing customers will be essential to your role. Furthermore, maintaining the Current Account and Savings Account (CASA) book and exploring opportunities for float income generation will also fall under your purview. Your role will entail liaising with internal departments such as credit, operations, trade desks, and branches to resolve client issues efficiently within the specified Turnaround Time (TAT). Providing timely advice, updating clients on relevant developments, and pitching beneficial products will be crucial for ensuring smooth operations and customer satisfaction. To excel in this role, you should ideally possess 2-3 years of experience in the local market, with a background in Credit and Sales knowledge. Strong communication skills, effective relationship management capabilities, and the ability to influence stakeholders will be critical. Additionally, a solid understanding of sales processes for products like Working Capital (WC) and Loan Against Property (LAP) will be beneficial for success in this position.,