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The Global Underwriting Credit Team within Institutional Credit Management (“ICM”) is seeking an AVP to join its Analytics team. The AVP is a professional with the goal to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to broader ICM Underwriting and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICM. The AVP will work with the rest of the teams to create a best-in-class Underwriting organization with the primary goal of materially enhancing Citi’s end-to-end credit management process.

The VP will be responsible for independent completion of Annual Reviews and Quarterly Reviews, and for supporting Underwriters on transactions.

In this role, you’re expected to:

• Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors

• Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriters, Risk and BCMA partners

• Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities

• Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to obligors

• Provide analytical support across functions: (1) Transaction origination and credit approval; (2) portfolio management and early problem recognition; (3) Global lending related projects and strategic initiatives

• Provide mentoring and guidance to C10 – C12s as required to ensure timely and appropriate completion of monitoring memos

• Provide sign-off for C10 and C11 AR and QR memos, as delegated by Team Lead; ensure all checklists are completed for monitoring memos if signing off.

As a successful candidate, you’d ideally have the following skills and exposure:

• 10-13 years of credit analysis, origination, or relevant credit experience

• Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks)

• Pro-active disposition with ability to work autonomously and within a team

• Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively

• Advanced knowledge of Microsoft Word, Excel, and PowerPoint

• Ability to deal with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.

• Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once  

• Awareness and adherence to the control environment including Quality Assurance and Quality Control

• Provides advice and counsel related to the technology or operations of the business.

Education:

MBA or CFA or CA

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Credit Risk

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Time Type:

Full time

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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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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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.

 

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