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ICM Underwriting (UW) is an integral part of the Institutional Credit Management (“ICM”) organization.  The UW's mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG.

ICG Risk Analysis Credit Risk Analysts are responsible for a portfolio of ICG Risk 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.

This role has responsibility for the portfolio of Transportation and Industrial relationships and the role reports directly to the ICG Risk Analysis (IRAU) Transportation and Industrial Credit Risk UW Manager.

 
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 Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite

• Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Credit Risk Team Leads, ICG Risk and BCMA partners

• Reviewing and providing recommendation on the risk raking across this sector

• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk in the implementation of credit assessment and monitoring standards for applicable portfolios

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

• 1-3 years prior experience with a focus on credit analysis

• 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

• Sound understanding of policies and procedures with the ability to execute change seamlessly

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

• Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Education:

• Bachelor’s/University degree or equivalent experience

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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