Credit Risk Intermediate Analyst - Commodities - Officer

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.

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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. ------------------------------------------------------

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