Citi continues to enhance its business control and governance framework by building out Institutional Credit Management (ICM), a first line of defense business line, to house and consistently manage credit risk activities performed for Citi's institutional clients.
ICM's objective is to provide integrated end-to-end credit underwriting, identification, measurement, management, and monitoring for wholesale credit across the enterprise.
Within ICM, the Credit Underwriting function ("ICM UW" or "UW") provides credit analysis, underwriting, and first line of defense credit approval for periodic / material transaction reviews, and any necessary subsequent credit monitoring across all institutional business including Corporate Banking, Services, and Markets relationships.
ICM Risk Analysis ("IRAU") is an integral part of the Institutional Credit Management ("ICM") organization. The IRAU's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration acting as a
partner to Banking & International Risk and Corporate Banking to execute our shared commitment to ensuring the safety and soundness of wholesale lending across Client Organization.
ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of institutional relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio.
That includes the production of Annual Reviews, Quarterly Reviews, and the support to ad-hoc transactions and portfolio & industry reviews and stress testing.
A Credit Risk Associate is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and knowledge of industry fundamentals that the portfolio belongs to.
This role has responsibility for the Corporate Coverage (not Financial Institutions) in Japan portfolio and the role reports directly to the Analyst Team Head Team Lead.
In this role, you're expected to:
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 Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR) of Citi's Counterparties based on independent assessment and judgement; completed based on due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Citi's risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, senior managers, and business partners
Review and provide a recommendation on the risk rating across this sector
Partnership with applicable regional and industry stakeholders in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)
Skills/Competencies:
Risk & Credit Underwriting:
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile, etc.) with the ability to identify root causes and trends and anticipate horizon issues
Forms independent opinions on credit and recognizes emerging risks
Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Sets the standard for industry research capabilities, including risk and key drivers
Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted
Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly
Leadership:
Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more
Embraces the need for change and appreciates its benefits with natural curiosity
Demonstrates professionalism by being reliable, actively contributing to meetings, asking questions, and challenging ideas
Proven culture carrier
Interpersonal:
Highly effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Technical:
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with the internal Policies, Standards, Procedures, Templates and with financial modeling
Qualifications:
Bachelor's/University degree or equivalent experience.
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
For complementary skills, please see above and/or contact the recruiter.
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
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