Institutional Credit Management (ICM) Underwriting - Credit Risk Senior Analyst, Vice President

Institutional Credit Management (ICM) Underwriting - Credit Risk Senior Analyst, Vice President

Institutional Credit Management Underwriting (ICM-UW) is an integral part of the ICM organization.  ICM-UW’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking.  These three groups have a shared commitment to ensuring the safety and soundness of wholesale lending across Citi.

ICM-UW Credit Risk Senior Analysts are responsible for a portfolio of client 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.  The role is part of the Turkish ICM team.

Key Responsibilities:

• Assess the credit and financial strength of Citi’s 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 (annual reviews, quarterly reviews and transactions (High and High + complexity)) 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 ICM-UW seniors, Risk and Banking.
• Coach, train and provide feedback to junior analysts for their development.
• Partnership with applicable regional and industry stakeholders in Banking and Risk in the implementation of credit assessment and monitoring standards for applicable portfolios.
• Support ICM-UW Voice of the Employee (VOE) initiatives and other initiatives, requests.

Knowledge/Experience:

• Demonstratable financial services experience, including 9-10 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
• Strong knowledge of Wholesale Credit Processes
• Knowledge of financial statements and GAAP accounting or similar governance relating to country of operation.
• Sound understanding of policies and procedures with the ability to execute change seamlessly
• 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)
• Experience in preparing presentations for seniors
• Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly.
• Full awareness and adherence to the control environment including Quality Assurance and Quality Control

Skills/Competencies:

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance
• Coach and mentor analysts to develop team strengths and improve weaknesses
• Proven culture carrier
• Well-developed interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
• 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
• Good Microsoft Office (Word, Excel, and PowerPoint) skills

Qualifications:

• BA/BSc  in Finance or Accounting or higher degree in Business (MBA),  or any other related subject
• Language required : English ( fluently in Writing, speaking, listening)

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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