
Credit Risk Analyst
1 day ago
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 to senior leaders, as well as more traditional learning. You'll also have the chance to give back and make a positive impact where we live and work through volunteerism.
ICG Risk Analysis (IRAUs) 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 ICG 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.
In this role, you're expected to:
Assess the credit and financial strength of Citi's counterparts 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 IRAU 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 ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)
As a successful candidate, you'd ideally have the following skills and exposure:
Fundamental 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
Demonstrates basic knowledge of financial statements and GAAP accounting or similar governance relating to country of operation
Displays basic industry research capabilities, including risk and key drivers
Basic understanding of Credit Policy and procedures; proactively refers to resources as needed
Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly
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:
BA/BSc 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.
-
Credit Risk Analyst
3 days ago
Mumbai, Maharashtra, India Virtual CFO Full time ₹ 20,00,000 - ₹ 30,00,000 per yearKey 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...
-
Credit Risk Analyst
7 days ago
Mumbai, Maharashtra, India Citi Full time ₹ 6,00,000 - ₹ 18,00,000 per yearThe Credit Portfolio Analyst II 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...
-
Credit Risk Intermediate Analyst
1 day ago
Mumbai, Maharashtra, India Citi Full time ₹ 6,00,000 - ₹ 18,00,000 per yearInstitutional 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...
-
Mumbai, Maharashtra, India Virtusa Full time ₹ 15,00,000 - ₹ 25,00,000 per yearRole Overview: - Demonstrate broad expertise in Financial (Credit, Market, Liquidity) risk, Operational risk, and enterprise risk management. - Manage end-to-end project implementation and cross-functional stakeholder management. - Focus on agile project delivery. - Act as a seasoned business analyst with a strong track record in requirements analysis,...
-
Credit Analyst
2 weeks ago
Mumbai, Maharashtra, India BNP Paribas Full time ₹ 15,00,000 - ₹ 25,00,000 per yearJob Title: Manager Credit AnalystDepartment: Coverage and Territories Credit Management (CTCM)Location: MumbaiBusiness Line / Function: CIBReports to: Team Lead Credit AnalystsPosition PurposeThis role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote...
-
Data Scientist/Risk Modeling Analyst
2 weeks ago
Mumbai, Maharashtra, India ACER Credit Rating Pvt. Ltd. Full time ₹ 15,00,000 - ₹ 25,00,000 per yearJob Title: Data Scientist (Finance & Statistics)Location: BKC, MumbaiDepartment: Credit Risk ModelingReporting To: Team LeadEmployment Type: Full-timePreferred Availability:Immediate Joiner**Preference will be given to candidates who can join immediately**Position OverviewAt ACER Credit Rating, we are dedicated to providing transparent, independent, and...
-
Credit Risk
1 day ago
Mumbai, Maharashtra, India Sdna Global Full time ₹ 15,00,000 - ₹ 25,00,000 per yearBFSI relevant exp (banking and NBFCs only)Model Development experience (Scorecards - Application Scorecards or Behavioural ScorecardsCredit Risk Models - PD, EAD, LGD, IFRS9CRIF / CIBIL / Credit Bureau data experienceStrong coding skills : Python & SQLDesired Skills/Experience4+ years of experience in hands-on Data Analysis (Bureau) using python/R in BFSI...
-
Credit Analyst
1 week ago
Mumbai, Maharashtra, India Intellectual Capital Hr Consulting Full time ₹ 9,00,000 - ₹ 12,00,000 per yearCredit Analyst - Wholesale Lending - SMEPreparation of Credit Appraisal notes for SME clients.Discuss with business on Terms and Conditions for risk assessmentsDiscuss with customers for obtention of information for preparation of CRANs.Monitor the accounts based on the terms stipulated by Sanctioning Authority.Prepare Monthly/Quarterly Monitoring Reports...
-
Credit Risk Analytics Inmd Analyst
1 week ago
Mumbai, Maharashtra, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per yearThe 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...
-
Consumer Credit Risk
1 day ago
Mumbai, Maharashtra, India Citi Full time ₹ 12,00,000 - ₹ 36,00,000 per yearPosition Summary:The Senior Testing Analyst – Consumer Credit Risk & Testing Strategy is responsible for developing and managing comprehensive test strategies, test plans, and test scripts that ensure the accurate integration of credit risk strategies and business rules across multiple teams and platforms. This role focuses on testing the implementation of...