ICM Credit Analysis Unit (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 as a partner to ICM Risk and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICM.

ICM Risk Analysis Credit Risk Senior Analysts are responsible for a portfolio of ICM 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 Municipals Relationships and the role reports directly to the ICG Risk Analysis (IRAU) Municipals Credit Risk Team Lead.

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 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.
• Partnership with applicable regional and industry stakeholders in BCMA and Independent Risk 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:

• Assists colleagues in identifying stretch opportunities to elevate individual and team performance.
• Proven culture carrierInterpersonal skills, with the ability to build relationships and exert influence with and without direct authority.
• Organizational skills with ability and willingness to work under pressure and manages time and priorities effectively.
• Written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority.
• Microsoft Office (Word, Excel, and PowerPoint) skills.

Knowledge/Experience:

• Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Managementor equivalent credit experience.
• Knowledge of Wholesale Credit Processes and organizational awareness including IRAU functions, covered portfolios, and processes.
• Understanding of policies and procedures with the ability to execute change seamlessly.
• Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues.
• Thorough knowledge of Citi´s systems.
• Experience in preparing presentations for seniors.
• Awareness and adherence to the control environment including Quality Assurance and Quality Control.

Qualifications:

• 2-5 years related experience
• Ability to read and interpret Commercial Credit bureau, to analyze trade experience, and utilize external financial resources to underwrite credit requests; Demonstrated Consumer or Commercial Underwriting skills

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.

About the Company:
Citi Private Bank