Credit Risk Intermediate Analyst

18 hours ago


Mumbai, Maharashtra, India Citi Full time ₹ 6,00,000 - ₹ 18,00,000 per year

Institutional Credit Management's ("ICM") mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Independent Risk and Banking, shared commitment to ensuring the safety and soundness of wholesale lending across ICG.

ICM Risk Analysis Credit Risk Senior 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 Western Europe Corporate Relationships and the role reports directly to the ICM - Commodities Credit Risk Team Lead.

Responsibilities:

  • Assess the credit and financial strength of Citi's Large Corporate 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 Banking partners

  • Partnership with applicable regional and industry stakeholders in Banking 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%)

Qualifications:

  • Demonstratable financial services experience, including 3-5 years of credit experience in Banking, Credit Risk Management or equivalent credit experience (candidates with background in commodities, energy and natural resources preferred)

  • 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

  • Assists colleagues in identifying stretch opportunities to elevate individual and team performance

  • Proven culture carrier

  • Interpersonal 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

Education:

  • BCOM/CA or higher degree in Business (MBA), or any other related subject

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

Job Family Group:

Risk Management

Job Family:

Credit Decisions

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.

Other Relevant Skills

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.

View Citi's EEO Policy Statement and the Know Your Rights poster.



  • Mumbai, Maharashtra, India Citigroup Full time

    Whether youre at the start of your career or looking to discover your next adventure your story begins here At Citi youll have the opportunity to expand your skills and make a difference at one of the worlds most global banks Were fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to...

  • Credit Risk

    3 weeks ago


    Mumbai, Maharashtra, India JP Morgan Chase & Co. Full time

    Job DescriptionJ.P. Morgan Wealth Management is a global leader in investment and wealth management, serving institutions, high-net-worth individuals, and retail investors worldwide.As an analyst in the Securities Based Lending Team at JP Morgan's Asset and Wealth Management Credit Middle Office, you will support client credit needs by evaluating asset...

  • Credit Risk

    3 weeks ago


    Mumbai, Maharashtra, India JP Morgan Chase & Co. Full time

    Job DescriptionJ.P. Morgan Wealth Management is a global leader in investment and wealth management, serving institutions, high-net-worth individuals, and retail investors worldwide.As an analyst in the Securities Based Lending Team at JP Morgan's Asset and Wealth Management Credit Middle Office, you will support client credit needs by evaluating asset...

  • Credit Risk Analyst

    14 hours ago


    Mumbai, Maharashtra, India Virtual CFO Full time ₹ 20,00,000 - ₹ 30,00,000 per year

    Key ResponsibilitiesCredit Risk AnalystPolicy Risk & Risk FrameworkFormulation, review, and evaluation of credit policies in coordination with Credit and Business teams.Present finalized policies along with Seniors to the Chief Risk Officer (CRO) for approval.Ensure policies are aligned with regulatory guidelines and internal risk appetite.Maintain...


  • Mumbai, Maharashtra, India Citi Full time ₹ 1,04,000 - ₹ 1,30,878 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...

  • Credit Risk Analyst

    3 weeks ago


    Mumbai, Maharashtra, India JP Morgan Chase Full time

    : J.P. Morgan Wealth Management is a global leader in investment and wealth management, serving institutions, high-net-worth individuals, and retail investors worldwide. As an analyst in the Securities Based Lending Team at JP Morgan's Asset and Wealth Management Credit Middle Office, you will support client credit needs by evaluating asset portfolios for...


  • Mumbai, Maharashtra, India Citigroup Full time

    The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team The overall objective of this role is to manage Citi s portfolio exposure to clients and counterparties globally ...


  • Mumbai, Maharashtra, India beBeeCreditRisk Full time ₹ 8,00,000 - ₹ 12,00,000

    Job Summary:We are seeking a seasoned Credit Risk Analyst to lead our team in evaluating the creditworthiness of corporates. As a Credit Risk Manager, you will be responsible for performing comprehensive credit risk evaluations, analyzing financial statements and sector-specific risks, and conducting due diligence on potential investment opportunities.Key...

  • Credit Risk Analyst

    18 hours ago


    Mumbai, Maharashtra, India Citi Full time US$ 90,000 - US$ 1,20,000 per year

    Whether you're at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you'll have the opportunity to expand your skills and make a difference at one of the world's most global banks. We're fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure...


  • Mumbai, Maharashtra, India beBeeCredit Full time ₹ 6,00,000 - ₹ 8,00,000

    About this RolePosition SummaryThis is a challenging opportunity for an ambitious credit analyst to cover a varied portfolio for corporate clients in the Indonesia region.The Credit Analysis team is responsible for centralizing the credit analysis function globally, providing expert analysis and insights to support business growth and risk management.Key...