Job
Description
As a Credit Portfolio Analyst II at the intermediate level, your role involves conducting credit reviews, approvals, and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. Your main objective is to manage Citi's portfolio exposure to clients and counterparties globally. **Key Responsibilities:** - Conduct risk assessments and client credit analyses with supervision. - Review financial results and peer analyses to support the preparation of financial projections. - Assist in the preparation of green-light and transaction approval memos. - Support due diligence activities and the building of cash flow models and sensitivity analyses. - Escalate credit concerns and updates to senior risk and business managers. - Support the proposal of risk mitigation actions by staying informed of related developments in the portfolio and industry. - Assist with portfolio review preparation and conduct stress tests. - Build working relationships with various teams across the bank. - Appropriately assess risk when making business decisions, safeguarding Citigroup, its clients, and assets. - Support compliance with applicable laws, rules, and regulations. - Provide input into the risk analysis of tools used to monitor Credit Risk Exposure. - Assist in the assessment of collateral risk and stress testing. - Assist in the preparation of risk review materials for proactive risk management. - Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits. - Act as a change catalyst and demonstrate curiosity in seeking new ways to overcome challenges. - Set high expectations, deliver excellence, and exceed performance goals. - Engage key stakeholders and actively look for opportunities to improve collaboration. - Proactively seek out opportunities to support the community and advocate for diverse talent recruitment. - Appropriately assess risk when making business decisions, safeguarding Citigroup, its clients, and assets. **Qualifications:** - 2 to 5 years of experience in credit risk analysis or corporate banking. - Experience in financial analysis, accounting, and valuation. - Knowledge of accounting, corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution. - Familiarity with data interpretation and ability to challenge decisions based on data analysis. - Basic understanding of various risk factors and demonstrated experience in reviewing and challenging discrepancies. - Clear and concise written and verbal communication skills. - Ability to work with little direction and in a team. - Problem-solving skills and familiarity with risk management software and relevant technologies. - Adaptability and flexibility to respond to ad-hoc requests and regulatory changes. - Proficiency in Excel, PowerPoint, and programming skills in SAS, SQL, VBA, etc. - Strong communication and presentation skills targeting various audiences. - Ability to work effectively across portfolio risk policy and functional areas teams. **Education:** - Bachelor's degree/University degree or equivalent experience. This job falls under the Risk Management Job Family Group and specifically in the Portfolio Credit Risk Management Job Family. It is a full-time role at Citi. If you have a disability and require accommodation to use search tools or apply for a career opportunity, review Accessibility at Citi. Additionally, view Citis EEO Policy Statement and the Know Your Rights poster for more information.,
